WillisBack/dataset-financial-user-claim huggingface dataset:
I have been paying mortgage payments for my XXXX XXXX prefab home in a trailer park, to Green Tree since XXXX which is a 25 yr loan at 12.9 %. 
XXXX XXXX I became XXXX with XXXX XXXX which has made it difficult at times to make payments on time. After many phone calls from XXXX, with threats they will short sale my home, I have borrowed from family members. I asked how much the payoff is and was told {$29000.00}. On a {$39000.00} loan! How can that be when paying all these years I asked and was told with interest, fees and other charges. I could n't get straight answer. I stated my monthly statement does not show anything like that. Also was making normal monthly payments that includes home insurance only to get letter from Green Tree and Insurance Co. stating I was XXXX months behind in insurance premiums. I am so ill this stress is exasperating my illness. I have begged them for help and nothing they can do.
Around XX/XX/XXXX, I disputed late payments on my credit bureau report with TransUnion Consumer Relations for an XXXX XXXX XXXX account # XXXX that appears on my credit report. They have reported the account 30 days late on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and the following months in XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX and 60 days late on XX/XX/XXXX and XX/XX/XXXX. The account is paid by automatic payment each month and I receive notice on the XXXX of each month of the upcoming payment and details of the remaining number of payments. On the XXXX of each month, I receive notice of payment processed. I submitted the copies along with XXXX 's XXXX bank statement showing that the payment had been made. TransUnion did not update my report to reflect that the payments were received and basically just sent me a copy of my credit report. Their cursory " investigation '' was done. They simply ignore any back up documentation that was sent. I want the late payments deleted from my account as the payments were made and each month XXXX received the automatic payment and sent an email stating receipt of payment was made. The report should reflect {$390.00} as the payment amount received and late pays should be deleted.
I owned a house that was in foreclosure on 2012, now a Shellpoint Mortgage Servicing is sending me papers for loan modification, homeowners insurance and tax documents on the house that another bank owns. I send them a copy of the Certificate of Sale for the property and I asked them why they contact me and I still no answers. property address XXXX XXXX XXXX XXXX FL XXXX.
Company is using unfair collection practices to obtain payment for a debt. 
Company calls multiple times a day and will not leave a voicemail. Any attempt to leave a voicemail is generally dead air. 
I informed company on two occasions, verbally XXXX XXXX, 2016, and via e-mail on XXXX XXXX, 2016, to only call MY PHONE ( therefore, removing my wife 's number and all other numbers associated with the loan with the exception of my cell phone ), provided the phone number and told them to leave a message. I would need to receive a voicemail in order to return a phone call. 
As of today, my wife continues to receive phone calls with no voicemails to either her phone or my phone.
This company has two charge offs on my reports for accounts that were never authorized by me. I have disputed them as well as contacted the credit companies directly. I did not sign up for any credit cards nor did I use them. After reviewing the update report I also notice 9 inquires that I did not authorize. 

1. XXXX XXXX Unverified Account/ FRAUDULENT 2. XXXX XXXX ( XXXX XXXX ) Unverified Account/ FRAUDULENT UNAUTHORIZED INQUIRES 1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5.  XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX 8.  XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX
I HAVE A CAR LOAN WITH SANTANDER CONSUMER USA, THEY ARE NOT REPORTING MY GOOD PAYMETS TO ANY CREDIT REPORTS, I ALREADY CONTACT THEM TO TRIED TO FIX THIS PROBLEM BUT THEY SAID THAT THEY WILL NOT REPORT THE GOOD PAYMENTS ANYMORE, IT IS NOT FAIR THAT THEY NOT REPORT MY GOOD PAYMENT TO MY CREDIT REPORT, OTHERWISE IF I WILL NOT PAY MORE MY CAR THEY WILL REPORT MY DELINCUENT PAYMENT, THANK YOU
I received a letter saying I owed a debt to XXXX XXXX services for a car loan for XXXX I am guessing that the car loan gave the to a law office by the name of Stephen Einstein & associates P.C XXXX, NY XXXX XXXX On XX/XX/2016 I received a letter stating that the creditor no longer was pursuing the debt without prejudice. so I no longer was thinking about this matter. On XX/XX/2016 I received another notice stating that the law firm was now pursing me again for this debt without any explanation I am very confused as to what to do about this matter.
I made a mortgage application with I3 lending on XXXX/XXXX/15. I submitted a complete application including name, social security number, dob, address, income, and assets. I was never contacted and did not receive my required respa disclosures. The only contact I ever received was an email thanking me for my application and telling me I wold be contacted.
I am disputing account number XXXX with Midland Funding because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted Midland Funding to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act
I have put in for disputes I recently XX/XX/XXXX Have received a call from my parents home about being served papers of a court summons dates XX/XX/XXXX Not giving me the proper timing to respond This has shown on my credit report by two different collectors I have no idea the debt their collecting And frankly feel like their fraudulently doing this ... 


Last year XXXX XXXX XXXX asked me to pay a large lump sum through some account I did and its still on my report after sending XXXX two years ago its still there .... 

So this makes me feel like this maybe something similar that their trying to pocket money for a XXXX XXXX I do not recall any loans from this bank
Ensure that closed account # XXXX is reported as closed to all credit bureaus. I am no longer a holder of this card/card closed. Account is still marked open on my credit reports.
There shows an account on my reports from XXXX XXXX XXXX XXXX -a loan .... and his account has been satisfied some years back and is now past the limitations for MO this accounts needs to be removed from my reports as it is too old to be reporting. I have tried handling this previously and have gotten no help
I am experiencing issues associated with ID theft and disputed items on my credit file. I was contacted by letter by a creditor I now know as  XXXX   XXXX  regarding an opened account with  XXXX   XXXX  11 years ago. I proceeded to call the number stated on a letter from its representative (   XXXX    ) received on  XXXX   XXXX    XXXX   regarding my CFPB complaint #  XXXX .  <P/> I now find that the same credit or may b e reporting the same account although with a different account number under another nam e (   XXXX  /SYNOVAS ) and  this can be seen on my   XXXX   credit report. It reports the same balance owed but under a different loan typ e ( Auto ) an d again reporting on my  XXXX   XXXX  credit under personal loan also a different loan type.  <P/> I called the phone number that is reported to be  XXXX /SYNOVAS  XXXX  and the number is not a working number but they do have the same address as  XXXX  which is :  XXXX   XXXX   XXXX   XXXX   XXXX , MO  XXXX  who does have a working number  XXXX . I am asking for an explanation as to the purpose of reporting against the same balance ow ed (  XXXX  ) t imes using (  XXXX   )  different companies names but you a re one of t he same company. On top of that the original account with the  XXXX   XXXX  was opened without my consent and is a fraudulently opened account. My affidavit  XXXX  was reported as such to the FTC on  XXXX   XXXX   XXXX .  <P/> Who are these collection companies and its creditors because they are not known to me and I certainly do not own this or any other account they report. Why are they reporting false information and using guises and pretenses to destroy my credi I request they forward all information used in the validation and authentication of the person who this account was granted.
I tried to dispute a charge on my credit card statement for {$3.00}. The purchase was for merchandise, not a subscription to anything. Bank of America refuses to take a dispute for 15 days from the " date of cancellation ''. There is no such date because there is no subscription. However, even where there is a subscription I know of nothing in the Fair Credit Billing Act, or any other law, which allows a credit card company to refuse to take a dispute and require a 15 day waiting period.
I have attempted to have account disputed on XXXX.17 creditor is unable to verify debt in its full truthfulness. This is a violation of my HIPPA rights as this debt collector is not entitled to collect on a debt in the state of Florida.
I have tried to work with XXXX XXXX to get my number of qualifying payments corrected. I had the Department of Education Ombudsman check the number of payments and XXXX XXXX XXXX did not correct the number. I have made more than the 120 qualifying payments but right now, they are showing I've made only 55 payments. Two years ago, they showed 47 payments made. These numbers are both wrong. 

I believe I've held up my end of agreement and want Fedloan Servicing to do their part. 

My Student Loans are over 25 years old. The original amount was {$40000.00}. I've paid more than {$100000.00} and still owe {$170000.00} as of XX/XX/XXXX. 

XXXX XXXX University - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX in XXXX XXXX - XXXX
I am about to go the 30 days late on my loan and I have made several attempts to ask the institution to honor deferred extension due to natural disaster but they somehow expect Me to pay them Before they can assist me with the extension whereas if I was able I would need no extension.. 

The destruction due to recent wildfires in California has impacted the lives of many of our account holders. If you have been personally affected and are interested in assistance with your Mercedes-Benz Financial Services account, please call us at XXXX. 

I am in XXXX California and we qualify for this help but they want us to pay to get the help and thats just not possible under these circumstances..
This company, with whom I have no business, has called me three times this week during my working hours. They refuse to tell me what type of company they are or what they want. After looking them up online, they seem to be debt collectors. I do not have any accounts that are not under payment and have run my credit report to verify. I have advised to not call, yet they call still. They are asking for my personal information ( address, license number ). I have advised them if they have business with me to send in writing through the mail, but they become hostile demanding my address to " confirm. '' If they have this information, they can mail me, as I have no way to confirm who they are nor what they want. They are unable to prove who they are and quickly end call when you call them out for being scammers and harassment. 
XXXX has called on XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at XXXX XXXX XXXX has called on XX/XX/XXXX at XXXX XXXX ( XXXX, I have a copy of this recorded call as well )
Current customer of American Express for over 7 years. Continuously spend over XXXX $ monthly, and pay my bills on time. The last few months, something has been happening with my bank, that my payments are a day or two late. I called customer service, asked to speak to supervisor to see if the fees could be credited as a courtesy for being a long-time customer. The first supervisor hung up on me, and when i called back and asked for supervisor, the second supervisor did not even review my account, but told me that he will not credit anything, as people who spend more money than me dont even get credited. He was rude, and not customer oriented, and did n't give my account the time and review I requested.
I called capital one on XX/XX/2018 at XXXX and tried to have account closed. 
They told me I could not close the account and that it was restricted. 
I can not make payments nor close the account. 
I requested an arbitration hearing as well.
For many years i have been paying a fixed amount monthly for student loans. Recently Navient, the loan servicer, reduced the amount by approximately {$50.00} each month. Prior to the random decrease from {$590.00} to {$550.00} the amount applied monthly to principle was more than that applied to interest. After the $ 50 monthly payment decrease i am now paying more interest monthly than principle. I did not request or ask for a change in monthly amount nor was i informed of the change. There is no explanation for these actions except to extend time the loan will be in repayment. This complaint is in regards to the actions describe above and to shed light on this practice.
The first statement I received from Home Depot covered a 16 day period commencing XXXX XXXX ( date opened and made first and only purchase ) and ending XXXX XXXX,2015 was received by me on about XXXX XXXX, 2015. Upon review of the terms, particularly the very high interest rate of 17..99 % I chose to immediately discontinue use of the credit card and notified Home Depot to close the account. So rather than paying the installment amount of {$25.00} I paid the full outstanding balance. This payment was received by Home Depot on XXXX XXXX,2015 representing payment in full. The following month I received a statement showing the payment in full and a late penalty charge of XXXX. 

I believe this charge is unfair and abusive. It appears to be justified by the fact that an installment payment {$25.00} was not paid by the due date of XXXX XXXX,2015, about 10 days after receipt of the first statement on the account. 

When I received my first statement I assumed, based on applicable regulations, I would have the normal XXXX weeks to make a payment before late charges could be assessed. And further since the statement revealed an excessively high interest rate I needed time to obtain funds to pay the account balance off immediately. Having made payment in full within 10 days of the receipt of the statement I believe the first late fee and interest charges are unfair and abusive, .and should be reversed. Multiple late fees charged as a result of unpaid first late fee charge are clearly unfair and should be reversed together with late delinquent interest charges
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXXXXXX SS # XXXX Re : a XXXX account # XXXX Equifax To Whom It May Concern : I would like to dispute the validity of a XXXX account listed on my credit report. I am requesting that a dispute be initiated for a XXXX account which is reported. 
I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,
ON XX/XX/2016 AT AROUND XXXX, I CREATED A TRANSACTION TO SEND MONEY TO SOMEONE USING MY CREDIT/DEBIT CARD. AFTER I CONTACTED WESTERN UNION AROUND XXXX TO FIND OUT THE STATUS, I WAS TOLD THAT THE FUNDS WAS PUT ON HOLD BECAUSE THERE WAS A PERSON WITH A SIMILIAR NAME THAT WAS ON SOME SORT OF SANCTION LIST. THEREFORE THEY REQUESTED THAT I FORWARD A COPY OF MY PHOTO IDENTIFICATION TO WHICH I EMAILED IMMEDIATELY. HOWEVER, MY PHOTO ID EXPIRED AND I HAVE NOT YET RECEIVED MY NEW UPDATED ID FROM THE NY DMV. I EXPLAINED THIS TO WESTERN UNION AND AFTER NUMEROUS CONVERSATIONS WITH MULTIPLE REPRESENTATIVES, I JUST ELECTED TO CANCEL THE TRANSACTION IN ITS ENTIRETY. HOWEVER, I AM NOW TOLD THAT I HAVE TO SUBMIT A VALID PHOTO ID TO RECEIVE MY MONEY BACK. HOWEVER, WESTERN UNION WITHDREW MY FUNDS FROM MY ACCOUNT WIHTOUT A VALID PHOTO ID THEREFORE THEY SHOULD RETURN MY FUNDS WITHOUT IT. FURTHERMORE, ALL OF THE REPRESENTATIVES AND SUPERVISORS THAT I SPOKE TO WERE EXTREMELY RUDE AND COMMUNICATED INFORMATION WITH ME THAT WAS INCORRECT AND MISLEADING. PARTICULARY I SPOKE WITH A SUPERVISOR ( XXXX ) AT ( XXXX ) XXXX ID # XXXX WHO TOLD ME THAT WESTERN UNION DID NOT NEED AN UPDATED PHOTO ID TO REFUND ME MY MONEY AND THAT HE WOULD PUT IN THE REQUEST AT A HIGHER LEVEL AND GET BACK TO ME ( TO WHICH HE HAS NOT ). THEN I CALLED THEIR OFFICE BACK AROUND XXXX TO FIND OUT THE STATUS AND EACH RESPRESENTATIVE AND SUPERVISOR TOLD ME THAT I NEED TO SUBMIT A VALID PHOTO ID.
Even though Wells Fargo states that they include pending bill pay transactions in their available balance calculations they do not. A user must remember that they have a Bill Pay and visit the Bill pay web page to see the actual available balance. This calculation is n't even available on mobile so a user has to visit the bill page pending transaction page and hand subtract pending transactions. I believe this way of doing business puts consumers in a position to overdraft and incur fees because they are not being forthright with the available balance calculation shown on the summary as well as quick balance web page.
On XXXX XXXX, 2015 PennyMac informed us in writing that : '' If you prefer to pay your escrow shortage of & XXXX, XXXX in full, your new monthly payment would than be {$1.00}, XXXX. '' We paid in full ; however, we just received our payment for XXXX and the amount is for {$1800.00} vice the {$1.00}, XXXX as stated in previous written letter. 
I called, but no help, only that they would " run an analysis '' and called a another person, XXXX, but no return call.
I accidentally Tried to pay my Bank of America Credit card bill with my Bank of America XXXX account which had a XXXX  balance. When I realized my error moments after doing it I cancelled the payment by hitting the " cancel '' button on the portal. I assumed that this would fix the problem. I then noticed my account having been overdrafted. I then called the XXXX  and they said they would cancel the payment and they didnt, now I keep getting overdraft fees on an empty bank account
Equifax has taken over 30 days to complete my investigation. To date, they still have not provided me with an update and have claimed to the XXXX that they are still working on it. However, when I initially reported and disputed through them about my identity was stolen and that the creditors listed on my credit report did not belong to me, they returned a decision ( without updating me ) that the files were updated as correct. They left the creditors on my credit report. Now, they have asked the XXXX for an additional 60 days after they did not complete within 30 days and did not update me. This should not take any additional time to complete because if the credit belonged to me, it would be able to be proven. The creditors are unable to prove that the credit cards listed belong to me because it does not. As listed in my previous complaint, my name is not listed properly and the addresses are incorrect. I have not resided at any of those addresses listed on my credit report. Equifax should not be granted any more additional time and that they should immediately remove the fraudulent credit/creditors/credit cards from my credit report, as my identity was stolen. They had enough/apt time to collect information and to investigate. They took 2 days initially to keep it on there. I had also sent Equifax, in my previous complaint, the official documents of my official report of stolen identity and the misspellings of my name and incorrect addresses that the creditors reported on my credit file, proving that it was not me. I have never authorize the creditors for any credit. I would like the following removed my credit file -including the inquiries. The following are : XXXX Bank, XXXX Bank XXXX, XXXX, and XXXX XXXX Bank. Also, XXXX XXXX Services is listed twice on my report for the same. One should be removed.
Beginning on XXXX/XXXX/XXXX I had left my company and was out of work. At the time I had funds to continue paying my student loan, but then I needed to find some time of full-time job since my bills started adding up, which I was able to secure in XXXX. However, the job I am currently working does not provide me nearly enough money to pay all of my bills and I had requested to Navient for a forebearance/reduced loan grace period during late XXXX XXXX XXXX. After I thought I had submitted everything correctly to Navient, I was given a letter back saying that I had needed to submit my information again, which was confusing. I wound up not re-submitting and am continue being charged the full amount for my monthly student loans, which I ca n't afford at the moment. 

I am requesting to get the money I had paid in both XXXX XXXX and XXXX XXXX back into my account, since I do not want to work with Navient anymore on repaying my student loans. I am aware of the issue going on between the Government suing Navient for the unethical actions towards their customers. 

Unfortunately, I do not have the supporting documents from Navient, but I 'm sure they can provide my submission request or a background check will show that I was out of work from XXXX to early XXXX XXXX. 

Please let me know if any further information is needed here. 

Thank you, XXXX
Hello, I would like to file a complaint against US Bank. I have been attempting to work out a short sale with US Bank for almost 3 years and I have lost multiple purchasers due to the amount of time that it has taken to get FHA approval. The first offer that I received was on XX/XX/XXXX and was for a few thousand dollars less than what the asking price was, but was not enough to cover all of the cost to sale the property free and clear. Unfortunately, I was not in a position to cover the difference to make the deal happen. With the offer that I had, the bank would have received a couple XXXX less than their payoff. The XXXX offer was very similar to the first and the bank took so long to review the short sale offer then after six months, the purchaser moved on and purchased another property. This has been the normal behavior of the bank over the last 3 years. Over the years, the delinquent amount has continued to grow and the property value/offers being received have decreased causing a larger deficiency. It is my hope, by filling this claim that I will finally be able to get the short sale completed. I would also like to get a waiver of deficiency if possible. 
1st Contract - XX/XX/XXXXBuyer XXXX XXXX - Buyer Terminated/walked2nd Contract - XX/XX/XXXXXXXX XXXX XXXX - Buyer Terminated/walkedATP ISSUED XX/XX/XXXX DEADLINE XX/XX/XXXX3rd Contract - XX/XX/XXXXXXXX XXXX XXXX and XXXX XXXX XXXXApproval XX/XX/XXXX - Buyer terminated at Inspection4th Contract - XX/XX/XXXXXXXX XXXX and XXXX XXXXXX/XX/XXXX Short Sale Approval - Buyer terminated at Inspection5th Contract - XX/XX/XXXXXXXX. - Buyer Terminated/walked6th Contract - XX/XX/XXXXXXXX XXXX - Buyer Terminated/walked7th Contract - XX/XX/XXXXXXXX XXXX XXXX - Buyer Terminated/walkedApproval - XX/XX/XXXXATP - XX/XX/XXXX - XXXX8th Contract - XX/XX/XXXXXXXX XXXX XXXX - Terminated because he was waiting for 5 months9th Contract - XX/XX/XXXXXXXX, XXXX. - XXXX XXXX XXXX - Active Purchase Contract
I faxed a ID theft affidavit with a police report to Equifax claiming that I have no recollection of XXXX trade-lines that appear on my credit file. Equifax did not provide any information to confirm that they followed the procedures to conduct a reasonable investigation, specifically in a case involving ID theft, nor did they forwarded the documentation in this case to XXXX or XXXX. I am demanding that this Credit Reporting Agency follows the procedures as per the FCRA to assure that the information on my credit file is accurate.