WillisBack/dataset-financial-user-claim huggingface dataset:
A few months back I had my mortgage payment with Nationstar Mortgage being automatically withdrawn from m  XXXX   XXXX   XXXX   bank account. It was being automatically withdrawn since  XXXX . Since that time I have never had a problem with the autodraft and I have never been late with Nationstar Mortgage. In  XXXX  however I had to switch to  XXXX  because I needed a business bank account and  XXXX   XXXX  would n't provide me with  XXXX . I switched to  XXXX  and added my new bank account to my online profile to have my mortgage payments automatically drafted from that account since I closed my  XXXX  schools bank account. I did it well before my payment was due. Come to find out, in  XXXX , I was called from Nationstar Mortgage because they never received my payment ....     When I heard this I checked online and sure enough my  XXXX  account was in fact listed on the system and there was in fact more than enough money in the bank account to cover my mortgage. I can prove this with documentation if necessary. I called Nationstar Mortgage and I pleaded with them my case as I did everything that I was supposed to do to ensure that they would get paid on time as they had been for years. It was not my fault that their system did n't draft my payment. In fact, their system continued to attempt to draft money from my  XXXX   XXXX  account even though that account had been closed. They did n't care. They blamed it on me. They did n't even care that I paid not only the monthly payment that was due and the next month 's payment all at once just to ensure that they got paid because I did n't want them to accuse me of being late again or their system to continue to draft from the wrong account. In the end, they hit my credit report with a 30 day late payment.     I am now attempting to use my credit and I am being denied credit because of this 30 day late payment. How is that fair to me? There was never any intent to pay them late. I did what I had done for years and set up automatic payments to be withdrawn directly from my bank account. Why should I be blamed and punished for 7 years for their system not drafting payments from my account like it was supposed to?
After receiving credit card to home address from company i immediately called to request my bills be sent to my home address as well. Bills still unknowingly when to alternative address, causing a 40day past due.
Re : BMO Harris Bank. I originally had a HELOC line of credit on my condo in XXXX, IL. That property was sold in XX/XX/XXXX and the balance on the HELOC was {$0.00}. The HELOC was never closed by BMO Harris but they did encourage me to use the HELOC after the property closed. I utilized some of that money. The open line of credit was {$95000.00}, I utilized approximately {$65000.00} and paid down that amount. I needed extra time to pay it off, wrote a letter to XXXX XXXX, the CEO of BMO Harris and never received a reply. They submitted my account as delinquent, as there was NO ASSET, no longer any real estate to tie the HELOC to. I continued to pay down the {$65000.00} amount every month. After years of my making monthly past due payments, there was still a balance due of {$9300.00} which was written off by BMO Harris in XX/XX/XXXX. BMO Harris continues to show on my credit report that {$47000.00} was written off which is TOTALLY NOT CORRECT. The total amount written off is {$9300.00}. PLEASE CORRECT.
Borrower submitted a loss mitigation package and received a notification of a facially complete application as of XX/XX/2016. It has now been over 30 days without further follow-up or a decision from the servicer on the application.
An apartment complex turned a debt over to Alpha Recovery Corp. 

I paid Alpha Recovery Corp {$1500.00} on XXXX XXXX, 2015 using a debit card. The transaction cleared my XXXX XXXX XXXX Checking Account on XXXX XXXX, 2015. The amount did not chargeback ( overdraft ). Alpha Recovery Corp began contacting me on XXXX XXXX, 2015 saying my bank reversed the transaction. This is not true. 

I provided Alpha Recovery Corp with : ( 1 ) a statement saying I authorized the transaction, ( 2 ) my bank statement, and ( 3 ) a letter from my bank. In addition, my bank spoke with Alpha Recovery Corp & myself on conference call. My bank informed Alpha Recovery Corp that reversing a transaction ( that is not an overdraft ) is impossible and was not done. 

Lastly, representatives from Alpha Recovery Corp are harassing me both at home and at work despite a Cease & Desist letter mailed on XXXX XXXX, 2015. Specifically, a representative named XXXX XXXX has repeatedly called my employer 's corporate office and the CEO. On XXXX XXXX, 2015 a female representative lied and said I paid with a XXXX XXXX and the money has been placed into my account. I do not own a XXXX XXXX. No funds have been placed into my account. 

I have proof of:1. The original bill2. Payment receipt from Alpha Recovery Corp3. A letter from my bank confirming ( 1 ) both the funds cleared and ( 2 ) the transaction was not reversed4. XX/XX/XXXX bank statement showing the payment to Alpha Recovery Corp5. XX/XX/XXXX bank statement showing the transaction was not reversed
I have disputed the account XXXX This account was paid off and it was not my account. I did not open this account. This is a fraudulent account. I want it removed immediately from my credit report please. Once this is removed i want a investigation with the correct FICO Score.
A debt collector is attempting to collect an old debt, that is past the statute of limitations. This debt is no longer on my credit report and has been closed. The collector calling me is asking for personal information which I refuse to give. I called them back and asked for the name of the company and address, and they refused to give me that information. They have called me 4 times this week, twice from the phone number XXXX, and twice from a restricted number. I belive the message said they were from XXXX or XXXX, as they spoke very fast and unclear. The voice message said to contact XXXX tp verify information. I asked them to take my name off of their calling list and they said no, we do not have a calling list. I hung up as I could see the call was going no where and decided to report them instead.
On XXXX XXXX, 2017 Diversified Reecovery took XXXX out of my account. This is because of a conversation that I had with a representative two weeks before that wouldnt take no for an answer with arranging payment arrangements for a bill three years ago that i never receive a letter from I tried to talk to them to see if I can arrange payments lower than that but that started to argue with me. I asked to speak with the manager and he also started to argue with me to the point to the point they hung up on me. Now I 'm getting phone calls threatened me to pay or they will be consequences if I do n't get back to them at a certain time frame but I still have received a letter and I really do not want them calling me if they are going to be bullying me to pay.
On XX/XX/2018 I went online to acquire a short-term payday loan. Mypadayloan.com phoned me in minutes of hittingbthe send button. The rep from that company disclosed the terms of the {$500.00} loan. I would pay {$120.00} for 6 pay periods and on the last payment, I would be charged an additional {$150.00}. I signed that contract that day. When I went to print the contract, there was a different contract with different terms of which I didn't sign. I called the company on Monday, XX/XX/2018 when the funds were disbursed into my account bringing to their attention those weren't the terms that were disclosed to me, and where was the contract that I signed. I was assured not to worry that {$120.00} Would be deducted by ACH from my account. The first payment was to be withdrawn from my account on XX/XX/XXXX. On XX/XX/2018, there was a check that MYPAYDAYLOAN had devised to withdraw {$150.00}. I immediately called them and stated those weren't the terms that I agreed to, and was told because I didn't call two days prior, there was a late fee added. This is when the dispute started. This company started to call my place of employment of which I clearly stated upon initiation of the contract, to not contact me there. That request fell upon deaf ears as they called me two more times at my place of employment, and I had to tell them that I would file a complaint with the attorney general 's office if they called my job again. I'm going through some dire financial problems and informed them of that by sending several emails. Two or three times per day, a different person would call from different phone numbers representing this company. They called me so much that one day at my job, I began to sob uncontrollably due to the stress MYPAYDAYLOAN had inflicted upon me with the numerous calls. I told them in good faith they gave me the {$500.00} and I did want to settle but on the original terms. I've paid them {$150.00}. They are saying I owe them an additional {$1200.00}. I then began to investigate their company to find they are scam artists. They told me they have sent all this information to my credit files, as well as to XXXX, whereby preventing me from all check writing. No scam artists should have the ability to ruin a consumer in such manner. Your prompt attention regarding this matter is greatly appreciated. 

Kind regards, XXXX XXXX
I am a veteran and have sought out VA Home loan financing. I was advised because GE capital retail bank is reporting a Walmart charge off collection account in my name and so is SYNCB/Walmart reporting the same account as a duplicate that my credit score has dropped significantly so the funding has been suspended till this error gets corrected. I called Syncb bank # XXXX manager XXXX XXXX. I was told that GE and Syncb is the same company they just changed there names to Syncb. I was advised that they would be submitting a e-oscar to delete the GE capital collection trade. Today XXXX/XXXX/2016 when I called to follow up I was told they were n't doing anything and that the duplicate reporting will stand.
I have disputed a account with all XXXX credit bureaus for XXXX XXXX. The first time it was deleted. Then it appeared again under another company. I have been disputing it since and I have requested documentation with my signature to verify the account and to this day I have received nothing but somehow it keeps coming back verified when I dispute it. I would like this item deleted off my credit report.
I notified XXXX, XXXX, and Transunion of the following collection : XXXX XXXX XXXX for {$250.00} not being validated. On XX/XX/18 I requested that the bureaus conduct an investigation and validate this account as I have been unsuccessful. Neither bureau has been successful in validating the collection but they all continue to report in as a " verified account ''.
I have repeatedly tried to contact XXXX XXXX XXXX and XXXX XXXX XXXX over the last 2 weeks to pay off a {$110.00} collection from XXXX XXXX. XXXX tells me that the debt must be paid through XXXX XXXX, and depsite leaving multiple messages with XXXX XXXX XXXX, I have not received a call. I called XXXX again this morning ( XXXX XXXX ) and was informed that they had been sold to Resurgent Capital Services. I was able to speak with a supervisor at Resurgent who informed me that I would still have to pay via XXXX, but all of the phone numbers for XXXX go directly to Resurgent. After calling a third time to Resurgent, a senior supervisor named XXXX told me that it would take more than a week to be able to pay that debt. 

I had no knowledge of this debt until applying for a home mortgage, and was instructed by our loan processor to pay it in order for our mortgage to go through. I am VERY concerned that by not be able to pay this small debt, despite attempting to pay it numerous times, that it will affect our home mortgage. I also doubt the validity of the debt itself, but am not going to get {$110.00} stop us from getting our house. 

I would like to pay the {$110.00} and be done, and can not believe that a debt collection agency will not allow me to pay a debt.
There was a major security breach at Equifax. I found out about this on XXXX today XXXX XXXX XXXX, XXXX ). Not from the company, not from any other bureau, but on XXXX XXXX thank you XXXX XXXX. I checked Equifax and it told me my information was likely compromised, but that I should contact them on XXXX XXXX, XXXX to take further action. At that point I decided to freeze my credit through Equifax, XXXX, and XXXX. Not only is this inconvenient for me, but I had to pay a total of {$20.00} to do this. So, in essence, I am having to fund the company that lost my information in order for them to agree not to further release my information. That is unacceptable. 

I also find the entire credit reporting racket to be unacceptable. We can not track our own credit scores without paying for a service. We can only get credit reports for free once a year. There are no posted guidelines on how to improve your score because each place has their own proprietary way of handling things. 

Identity theft is just going to get worse if we insist on having everything tied to a social security number. Giving these credit bureaus full control over all the buying power of Americans, without them having to say how to improve your standing is also terrible. This should be a wakeup call that this needs to change. It is only going to get worse if it does n't.
I have filed a previous complaint against Capitol One Bank for garnishing wages for an account they deemed was fraudulent. Capital One garnished a wage total of {$4600.00} from my work check bi-weekly. The previous complain I filed with your agency was for {$3000.00}. They sent me a check I received on XXXX/XXXX/2016 for that amount. I disputed this amount on XXXX XXXX, 2016 for the amount I am entitled too. Total reimbursement is only the acceptable resolution. Note I also had missed worked for meetings with the commissioner they summons me for, certified mail reimbursement, fuel, lost wages, time in proving this fraud case. In the dispute thru your agency. I need {$5000.00} to make this right. I could get more but this would suffice and is, m ore then reasonable. Please refer to the documents I attached to thee dispute. The CFPB # XXXX. I am attaching the check I received as proof that I was not reimbursed rightfully. I will be expecting a check within the 7 business days. As of now I am not charging interest but if this is not resolved quickly I will have to start.
I am a first time home buyer and purchased my home XX/XX/2014 I have a FHA mortgage. My mortgage was sold from XXXX XXXX to Carrington Mortgage by XXXX. Everything went smooth has this is not the first time my mortgage had been sold. Carrington sent with out warning a few months into making payments to them ( always on time ) that I was in " intent to foreclosure '' due to a late payment. I have never been late. So when I called to ask the original statement given to me was that " XXXX did not receive a payment from me prior to the sale of my mortgage '' I called XXXX and they had no record or notes of contacting Carrington of a missing payment. Also they noted that there was no missing payments on the account. They would never sell a mortgage that was not in good standing. They ( XXXX ) spoke with Carrington and sent documents to verify. Carrington begin again calling me with harassing phone calls. Customer Service agents clueless of what was going on and stated all they knew is that I was missing a payment. Carrington would not allow me to speak with the " research department or assign me direct contact with one individual to handle the case '' I received numerous harassing phone calls. The latest correspondence was from a XXXX XXXX who stated she just needed a bank statement from XXXX XXXX XXXX to prove the XX/XX/XXXX payment was made to XXXX. ( XXXX has been contacted multiple times at this point and is baffled by the poor customer service and statements that Carrington is making ) I went above just sending a bank statement I sent multiple statements for the entire month, with written explanations. I also sent documented from XXXX " proof '' of said payments. Carrington is now wanting my signature on documents. Another stall tactic. I have sent plenty of proof documented and verbally. Prior request and documentation has been sent and they never once asked for a signature on any documents I have sent. Also note on latest correspondence no visible name or readable signature of who/whom the correspondence is from. See evidence attached. Contact for additional evidence and recorded phone conversations.
EXPERIAN HAS FAILED TO RESPOND TO MY DISPUTE WITHIN THE ( 30 ) DAY TIMEFRAME THAT IS REQUIERD BY LAW ACCORDING TO FCRA!!!!!!!! I've sent in my dispute letter certified with supporting documents on XX/XX/2018. They received it XX/XX/2018. NO RESPONSE!! I've sent a certified follow up letter about my investigation XX/XX/2018. They only sent me a letter XX/XX/2018 saying they need for me to send in more identification! ( I am not sending them anymore of my personal identification! ) On XX/XX/2018 I called Experian about the situation. They told me that they never received any dispute letters with my supporting documents!!!!!!
Experian, XXXX and XXXX did not fix an error on my credit report. The contract was canceled by the company.
Just recently I ordered my yearly credit report and noticed many errors your company is reporting on my report. Not only is it distressed but I am disappointed at how I was affected by the XXXX breach. It has affected me in many ways and has caused so many problems that are out of my control with my identity being used. I am unaware of the accounts and inquiries listed in this letter and I demanded that theyre investigated internally by disputing only the accoutns and inquiries mentioned below. I have never given my consent to open any of the listed accoutns or any new accounts due to the being puzzled of how inquiries were placed on my credit file. These are serious errors that your company has made time and time again concerning my credit file and I will take legal issues if I have to immediately. This has been the 2nd time that I am disputing and it seems that Im being ignored for a particular reason and theirs no answer on to how the errors got any my credit file. I will go beyond measures to get the errors removed and if theyre not removed by XX/XX/2018 I will be taking legal actions against your company. 
Accounts Errors : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.  XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX Unauthorized Inquiries : 1. XXXX XXXX 2.  XXXX XXXX XXXX 3. XXXX/XXXX 4. XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7.  XXXX XXXX 8. XXXX/XXXX
My credit card ( XXXX ) had unauthorized transactions via XXXX XX/XX/2017. Two charges of {$370.00} from someone who had shipped something using my card number. XXXX immediately sent a new credit card and voided the charges. I received invoices from XXXX  for a remaining balance of {$110.00} and {$370.00} and called them to inform them of the fraud. They voided the charges as well so now there is a balance of {$0.00} on their end. I called Transworld Systems Inc. ( Collections ) telling them what had happened. They are saying that I owe two balances of {$120.00} and also {$420.00}. They told me they are waiting on XXXX to give them the information, but case has been closed since everything was resolved in XXXX and there is a {$0.00} balance. I am concerned about my credit score since they are trying to collect money from me that I do not owe. I filed a police report and also obtained case numbers from fedex today. XXXX said they can not reopen the case due to the date and there not being a balance. This sounds like something that should be resolved between XXXX and their collections agency, but if neither party are in contact with each other, I'm assuming my credit will take the hit if no actions are taken. I currently do not have a way to scan all of the documents into the attachments, but I am happy to provide whatever is needed via fax.
I received a call from a person name XXXX refused to give last name. said she is with Oliphant Financial she called my job to the girl that answered the phone she was calling about a debt i have n't paid. Cashier came and found me said there is a XXXX on the phone that said I have a outstanding bill she needs to talk to me about. I picked up the phone a a lady said she was with Oliphant Financial and I ask what this is about and she said she needed my social and d.o.b ..i told her Im not giving it to her.She said I know your at work and the girl told her I ca n't get personal calls at work and she said she said it was important it was a legal matter. I ask her last name and she said i ca n't get it. I told her somebody calls me at my job and ask for my ss # and date of birth but wont tell me why or give me her last name. she hung up on me. I still have no idea why she called she did not give me any info .gave cashier more info than she gave me that I owe money on a bill .but told me unless I give her my ss # and d.o.b she wont give me information
The compan y is M & T Ban k. They are not any other similarly named banks but they do have addresses i n four differ ent states and/or cities. I have what I believe they designated as a commercial loan notwithstanding the loan is in my individual name. I sold my property on  XXXX   XXXX  and am scheduled to close  XXXX   XXXX . All closings take betwee n 30 and 45 days to close. I got the payoff letter today from the attorney closing the transaction. M & T Bank is refusing to release my tax escrow saying that they will " handle that separately '' af ter the closing. They also charged me  XXXX  for not asking for the payoff letter 60 days ago. Neither of these practices comply with standard banking procedures. Since I have to give the tax escrow to the buyers at the closing and it is almost  XXXX  I will be out approximately  XXXX  all together and will be at the mercy of this " bank '' if and when I get my tax escrow back. I anticipate further bogus fees in that regard.
XXXX XXXX is reporting a debt on my credit file that I do not owe. This Account is not mine!! I have called them multiple times to get this information corrected. They continue to tell me that this account has no balance, and they have confirmed that this debt/account is not mine. I need this account removed as it is interfering with my financing.
I have been in contact with Equifax credit bureau sending them letters in regards to disputing an account on my credit report. The first letter was sent, XX/XX/XXXX, then another letter was sent on XX/XX/XXXX, another letter sent XX/XX/XXXX, and another letter sent XX/XX/XXXX, and the last letter sent to them was sent on XX/XX/XXXX. 
Yesterday, I received a letter from them dated XX/XX/XXXX, stating that the identification information I provided them does not match their records and then they requested me to send vertification of my identification and current address. My address and identification has not changed since my first letter was sent to them on XX/XX/XXXX, so how all of a sudden can they not find my credit report when my personal information has not changed. They are also taking 2-3 weeks to answer a letter and then send me notification that an investigation is taking place. This is now causing a debt question or validation or anything sent to them taking 45 days or longer to get a response from them or from the creditor. I do not feel this is acceptable and needs to be changed on their end immediately. I have a copy of my Credit file that was sent to me by them with a date of XX/XX/XXXX and a Confirmation # of XXXX and now they all of a sudden can not find my credit report. Again, this is totally unacceptable and needs to be addressed on their end immediately and fixed. I will try and attach the letters that have been sent to them in this complaint, but I do have copies of all the letters that I have sent to them, if I am not able to attach the letters. 
My Birthdate is XX/XX/XXXX, but Section # 4 keeps listing it as XX/XX/XXXX.