WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I received a letter from m & t. Bank which is the holder of my mortgage stating that I am behind a payment from  XXXX  of  XXXX . Apparently the mortgage company infinite mortgage services requested a payment back in  XXXX  of  XXXX  from my bank stating it was owed from over a year ago. Back in  XXXX   XXXX  of  XXXX  " it is even noted on my account '' I had called the mortgage company and also my bank to pay my first payment. They told me I did n't owe anything until  XXXX  of  XXXX . So I started making my payments  XXXX  of  XXXX . Now m & t is starting the foreclosure process with threatening letters phone calls and visits to my home on an error that was in no way my fault. I had contacted the bank for the past 3 months trying to fix this error and requesting letters to help my fix the issue. I had never heard back from them except the threatening letters when they were supposed to investigate the issue. Also they are reporting the missed payment every month to my credit bureau and ruining my chances of ever having a good  credit score . I have had issues with this bank from the start and I feel that in the errors I should not have to make this additional payment because I have kept my payments on time every month since obtaining this house. I should not be held responsible for the banks error of over 1 year ago. This company is ruining my life and my credit and I need answers or some kind of assistance. I have  XXXX  children and live paycheck to paycheck there is no way no will be able to afford to pa y 2  mortgage payments back to back because of there error also there is no possible way I can afford there insane repayment plan of an extra  XXXX  $ on top of my mortgage every month. This bank is a joke and horrible at what they do please help my situation. Thank you
Upon submitting payment we are told that we may incur a late fee. I now found out, after paying for roughly 10 years, that the may had changed to a will. I notice in my account history it shows a late fee charged than credited. For 25 months there was no credit. I also had a dispute that lasted months in regards to the monthly amount due. It had doubled with no explanation. The first two hours on the phones with multiple reps led to no avail. It took several months to adjust. I have been trying to remove my cosigner for years. I have had XXXX loans for a house and a car loan approved since the first denial. Obtaining the denial form was also nearly impossible in which a runaround had occurred.
cra violation sent po report and ftc inaccurate information coming back under another name violation of my rights
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX I am XXXX XXXX Vet. 
I have some address that need to be off my credit file The following address are not mine : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX  XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are not mine please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
I used my Citicard to make a XXXX XXXX transfer. I did not know it would be considered a " cash advance ''. I was already paying XXXX XXXX a fee. There was no notification that it would be considered a cash advance. In fact, I looked for the charge on the account on-line and it was listed there with all the other charges. There was no indication it was classified as this. The last day of the billing cycle, they changed it to Cash advance and also charged interest. If it was listed on line or advised I would have went to the XXXX XXXX office or at least mitigated my costs.Why would I pay {$13.00} on a {$80.00} transfer? When I received the bill, I spoke to a number of reps who all said they could not do anything. I was charged {$10.00} + interest. It is not the money but the fact that they are unethical and fraudulent in how they do business. I told them I was disputing and they said I could n't. I immediately cancelled the card and paid the bill less the charges I felt were not valid. Unfortunately, a merchant credited back some money and it was accepted by them If I cancelled the card, why did they accept the credit back? So it left me with zero recourse other than complain to whomever will listen. As a customer of theirs who has paid their bill on time for five to ten years or more at the very least they should have understood the circumstances and credited me. If they are doing this to me, they are stealing from everyone. There should be a class action lawsuit against these fraudulent practices.
I have received several calls from this group in the past until I filled complaints. They did stop for some time, but they are back at it again now. I am getting a voice mail saying that they have a bad check with my name on it and I need to contact them immediately. This is not possible. The name of the company that is calling is Premier Portfolio Group and the call back number is XXXX.
On XXXX XXXX, XXXX, I was tricked by XXXX to take out an online auto title loan for XXXX} with a XXXX XXXX  interest rate for XXXX years. I was told over the phone that it would be XXXX XXXX APR but they never disclosed that was a monthly rate. Over the past XXXX months, I have given them over XXXX} and I still owe them XXXX}. I called them to dispute their illegal business tactics but with no luck. They did offer to lower my rate to XXXX XXXX but I would have to borrow XXXX more and extend my loan to XXXX  years. How are they still in business this has to be illegal.
I am on a fixed income along with my wife. We live paycheck to paycheck and often order necessities online. After it was determined that we would not be able to make all our payments for the month, we decided to put our student loans into forbearance. But for whatever reason, the loan payments were posted to our account on Tuesday, putting our checking account into overdraft. There were multiple other payments that were posted ( that I could not cancel, because they were pending ) on Wed and Thurs. By Thurs morning, the damage had been done. A total of ( XXXX ) {$36.00} overdraft fees were charged to my account. I 've worked with my bank to dispute the loan payments that were made in error. With PNC 's track record, I am confident that a few of these transactions were processed in such an order to maximize fees, such as was done to me previously this year. Because of the {$250.00} in fees I now do not have the funds for my car payment, and will be in the negative again next month ( perpetual cycle of abuse ) because I am on a fixed income. It 's a snowball effect, and we are being overwhelmed. This is abuse!!! We have our first child on the way and are trying to move into a cheaper apartment, and PNC is interfering with our attempts at a reasonable life! How long will the abuses continue? I demand reversal of ALL fees charged to my account IMMEDIATELY. These fees are obliterating any financial gains we have made. If no action is taken, I will take this up with an attorney and will alert everyone I know how PNC drains its customers and treats them as profit centers.
I ran into a finacial crunch had to borrow some money. I usually borrow from reputable companies. I was online doing a serach and I came across Cash USA after reading that it was a revolving account I said that was good I looked at their pricing and it stated that for the XXXX XXXX I borrowed my payment would be XXXX monthly or XXXX biweekly. They sent me a statement saying that my XXXX payment was {$220.00} and XXXX weeks laters they expected another XXXX That absurd who in their right mind would agree to pay someone $ 300XXXX per month for XXXX when I have borrowed XXXX and my payments was n't that high. I can not afford to pay anyone that kind of money. I needed to pay my water bill not get ripped off because I was in need. I have no problem with paying what I borrowed, but to pay that monthly is crazy. I immediately reached out to them by email and phone informing them of the situation they brushed me off as to say oh well you going to pay it. I made the payment of XXXX and that was my last payment because even if I wanted to give them that kind of money my paycheck wouldnt allow it. This company is taking advantage of people that is in need if I had that kind of money than I would n't been borrowing any from them. I am trying to get some assistance because I am rebulilding my credit and this is the last thing I need.
On XXXX XXXX, 2015 I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. Ref # XXXX =. I sent a letter requesting verification and validation of the original debt and I have never heard anything since. I then looked at my credit report and found that another creditor the CBE group Inc former # XXXX for the same amount of money put a collection on my credit report. WIthout any notification or letter sent to me. during the same time period. They did not give me a letter or notification. This is a violation of my rights and notification.
I have a problem with student loans that are reporting that I did n't have. The Rep says they were consolidated and sold to another company but that company is not listed on my report. There are also student loans that were consolidated but the old loans were not closed on the report after the consolidation so they reported with late statues even two years after the loan were consolidated. I reached out to XXXX XXXX XXXX but there record keeping is so poor they ca n't seem to figure out when they took over the loans. The companies are XXXX XXXX XXXX and XXXX XXXX and XXXX  and XXXX : XXXX
I traded in my car and the dealership requested the payoff amount on XX/XX/2016, the amount they told to pay was {$1900.00} and the dealership sends the amount of {$19000.00} this amount should include the interest after requesting the payoff and that amount sent on XX/XX/2016. the same day the wells Fargo bank took from my account {$430.00} as the payment for XX/XX/2016. and they are telling me at that moment that I still owe them {$570.00}. I am confused who owe the other, according to the accounting base wells Fargo owe me XX/XX/XXXX payment. add to that they are still charging me interest and they have reported that to the credit score agency. I am begging you non of their customer service, not even the vice president want to contact or deal with me. they just calling harris me and my wife and threatening us by telling us that if we did not pay this amount they will report it to the credit bureau and they did so my score went really down because they saying I am behind 77 days. the last time they contacted me was XXXX/XXXX/2016 and the representative did not want to talk with me she just telling me if I am going to make a payment and her supervisor as she mentioned his name " XXXX XXXX '' he told her to direct us to our new dealer which we traded the car with to talk with them and when the dealer tried to contact them they telling them the run-around for over 2 hours. earlier the vice-president contacted me and she refused to talk with me she said " I do not prefer talking with you and there is no more communicating till you pay your amount that you owe us '' and hang the phone on me. they are claiming that they send a check for me and they want me to sign an affidavit saying that I did not cash the check, how I am going to cash something I did not receive. please, help me.
I have been submitting numerous documents to Experian that a collection account on my credit is not mines everytime I talk to a rep they keep telling me it was reported to a collection agency who got the information from XXXX XXXX I keep saying my account is paid in full and supplying documents but Experian keep updating the record saying it's accurate XXXX XXXX have my status as paying in full also I called XXXX XXXX  and they can not bring up an account for me and they are giving me the run around saying someone will research and get back to me but no one return my calls I paid XXXX XXXX in full last year in XXXX or XXXX but this collection was posted XX/XX/2018 please see attached documents and I demand immediately removal of this account it has damaged my credit
Dear Sir or Madam, I received an alert from my credit monitoring service about an hour ago. When I open the alert, it states " US BANK '' has view my credit report via XXXX. The first thing I did was call US BANK, the representative told me they do n't handle these requests. She also mentioned that I call XXXX. Twenty minutes later, I call XXXX and they give me the same garbage answer, call US BANK. Why are they both pointing fingers at each other? US BANK and XXXX are at fault for not authenticating or verifying my identity before they pull my credit. This is a huge flaw! Please remove the hard inquiry placed on X/XX/17 immediately. I did not authorize this request. <P/>Thank you for your time! <P/>XXXX XXXX
I HAVE TWO ACCOUNTS WITH ONEMAIN : 1- THE FIRST ACCOUNT IS PAID AS AGREE WHIT XXXX BALANCE. 
2- THE SECOND ACCOUNT I MADE APAYMENT ON XX/XX/2018 CAMPANY ALWAYES REPORT THE END OF EVERY MONTH Until NOW THAT ACCOUNT NOT BEEN REPORTED TO XXXX , XXXX AND XXXX . IN THE PAST EVERY TIME WAITED OVER 3 WEEKS TOTHEM REPORT THE PAYEMENT AND EVERY MONTH I DISPUTE THE ACCOUNT THAT WHY AS CONSMER COMPELAINE ABOUT ONEMAIN.
My mortgage servicer, Rushmore Loan Management Services, did not pay my property taxes. I sent them the bill multiple times, contacted them by phone and mail. They promised to investigate but the taxes are still overdue. There is more than enough money in the escrow to pay the taxes but they have not done anything. I do n't know how to handle this. 
The tax bill is already overdue with assessed penalties and could go to collection.
There is an address listed on my credit report that I never lived at. The address is:XXXX XXXX XXXX XXXX. XXXX, IN XXXX
I have received multiple calls regarding medical Debt. 
I am under age but currently do not live with my parents.I have stated to the collection company multiple times, not to contact me and to reach out to my parents. They continuously continue to call my personal cell phone number in attempt to collect debt. I spoke with them today XX/XX/2019 and stated the same thing, after telling them I was a minor they demanded my date of birth after giving it to them they confronted me that I was lying. It was a very stressful situation and did not know what to do. I am not use to dealing with this type of calls, and I began crying about the situation. I feel like I am being harassed and confronted every time they call. My brother in law tried giving them a call to inform them about the situation to let them know to contact my parents, but the representative insisted that my name is on the debt. We tried explaining to them that they can NOT contact a minors personal cell phone to collect the debt and he disagree with me and said that her name is on the debt.
I was never informed of any debit prior to calling me, the debit is not mine and I informed XXXX XXXX at NCC Business Services XXXX extension XXXX of this fact when the first call was made on XXXX/XXXX/15 at XXXX. Subsequently I was called XXXX more times in violation of federal law. This is not my debit. They have the wrong person.
There is a Chapter XXXX Bankruptcy being reported on my credit reports. I contacted the Federal Court that report is showing and spoke to a clerk who advised they do not send documentation of verification to third party companies or credit agencies. She advised there is no personal information to verify this belongs to me such social security number, drivers license, date of birth or birth certificate. I asked the XXXX, XXXX and Transunion to remove this inaccurate bankruptcy from my report and advised it had been verified. But I did not receive any documentation proving this Bankruptcy belongs to me. Per the XXXX County Federal Courts they do not and have not verified any information of a bankruptcy that belongs to me.
I am begging someone to assist with issue. There is currently a sale date scheduled for this coming Tuesday, XX/XX/2018. This file is under contract and ready to close within a month. We have sent in the signed purchase and sales agreement and all other documentation requested. US BANK WILL BE GETTING A FULL PAYOFF as a result of the sale. We sent in everything over a week ago and it sat on someone's desk and never got reviewed. We finally got it into the hands of someone that requested the postponement and was just waiting on a manager to approve it. 

I spoke with the manager- XXXX ID # XXXX who said " unless you pay me my money, I'm not postponing the sale ''. Unless XXXX is the owner of US Bank and will be receiving the payoff into his own bank account, I don't believe he has any authority to treat anyone like that. We just talked a sobbing, broken woman down for the past 45 minutes telling her we would do everything in our power to help. this is unfair and deceptive to not help me avoid a foreclosure. 

My XXXX year old son suffered a XXXX XXXX because of the stress of losing our home and I am on the edge of the same. I need the proceeds from the sale in order to secure housing for me and my poor son. 

We are just asking that the auction be postponed in order to allow the sale to happen so that I can recover from the trauma of it all. I am attaching all relevant documents to this complaint Is there anything at all in your power to help us
I have disputed the late payment status reported on the account XXXX  XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously.
on XX/XX/XXXX i got a secured credit card from bank of america. I was required to put down a {$500.00} deposit to open the account. About 3 or 4 months ago I applied for graduation to unsecured credit and a return of my deposit. The banker told me that not only were they not required by law to give me my money back, but also I would only get {$250.00} back and not the original {$500.00}. I was declined for the graduation and today XX/XX/XXXX ( call started at XXXX EST ) I was told by a customer service rep that I was " pre approved '' for graduation and that I would definitely get my deposit back. Then she said it was only going to be {$99.00}. Something crooked is going on and Bank of America should not be allowed to just keep peoples money like this.
on XXXX not sure of the date i disputed a debt for {$700.00} for XXXX XXXX XXXX which is now know for charter communications on XXXX XXXX i received a letter stating they were deleting the {$700.00} because i gave them prove and all that the account had not belong to me so they removed it last year XX/XX/XXXX then i guess they sold it to another company which i disputed that again so they removed it again i provided them with prove the account was not mine here we are again XX/XX/XXXX and they have a new collector name CBE GROUP collection agency putting back on my credit i went through all of this did what they asked it doesn't belong to me im asking to tell them remove it immediately from all three credit reports or i will be suing them for reporting negative information on my credit report which is affecting me tremendously from moving forward. ' tired of this you cant make an account belong to someone that isn't theirs PLEASE DO SOMETHING OR I WILL BE FILING A POLICE REPORT MONDAY MORNING THIS IS RIDICULOUS.
I have asked Experian to please remove the security freeze that is on my account. It has been longer than 90 days and it renewed on its on. I want it removed because I have trouble when applying for something online.
I went to cosign for my mom a car and was denied due to accounts on my credit that are not mine and dont know anything about. This is really a crazy because Im confused how this could happen. I thought maybe the dealership was just giving me a hard time so I went to my bank to apply for a personal loan because I knew they would be honest unlike some car dealerships. I was also denied there as well. I'm doing this on my own behalf and i contacted my ftc and police department. Please remove these items that are not mine. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX.
I received a promotional offer from XXXX XXXX to terminate my current lease by buying or leasing a new XXXX model. There were also several coupons for services to choose from if you took a XXXX for a test drive. On XX/XX/XXXX I went to XXXX with the intention of purchasing a vehicle, but after the air conditioning didnt work on the test drive vehicle and a payment plan couldnt be agreed upon, I left in my current lease. Without my consent or knowledge, XXXX XXXX issued a hard pull on my credit which is effecting my credit score. As I did not initiate a new lease or purchase I dont see why they should have pulled my credit especially after the sales man assured me my interest rate would be low when I verbally told him my credit score.
I 'm disputing loan modification denied ( loan # XXXX ) because Select Portfolio Servicing, we gut multiple mistake and came with new trick, Not carefully review of my application, and XXXX modification package and our income and P & L not match please see the last Profit & lost XXXX XXXX through XXXX XXXX, we submitted .see the attached
Received notice of account closure - no reason provided until I contacted them. Account was closed due to " non-use ''. I had not used the account in 24 months so they closed the account ; which would have been OK had they given me notice. Citi has now done this to XXXX of my cards in two weeks for non use resulting a {$22000.00} decrease in my credit. This will have a negative impact on my score.
My mortgage was bought by a new company. XXXX. My loan is due on the XXXX of every month as per my original contract. I am supposed to have a 15 day grace period to pay my loan before I am charged any late fees. This new loan company is charging a processing fee based on how many days have passed from the actual due date. Example : if I pay my loan after the XXXX I get charged a {$5.00} processing fee. If I pay my loan after the XXXX then I have to pay a {$10.00} processing fee. If I pay after the XXXX, I am charged a processing fee AND a late fee. When I asked them about this fee they said it was simply a processing fee, however they are obviously charging customers based on how late they are. This is not in my original contract and I am supposed to have a 15 day grace period without any fees what so ever. They are just using the term processing fee other than late fee to get around this. They told me it was within their rights to charge me this fee. They are taking advantage of customers by doing this. My pay is bi-weekly and I cant always pay it right on the XXXX of the month every time. I should not have to take money out of my savings account to make my house payment just to avoid their processing fee. I have been charged his fee the past several months. Please do not let them continue this practice. They are just trying to sneak in extra fees on consumers hoping they can get away with it by calling it a processing fee. Thank you!