WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX informed me on XXXX/XXXX/XXXX that my mortgage with them effective XXXX/XXXX/XXXX will be transferred to Nationstar Mortgage XXXX XXXX XXXX known as Mr.Cooper. ) I already had a payment setup with XXXX to pay my mortgage which had a due date of XXXX/XXXX/XXXX. XXXX cancelled my payment to them on XXXX/XXXX/XXXX, they claim its because on XXXX/XXXX/XXXX they will no longer own the account. This meant that today XXXX/XXXX/XXXX I have a payment due to the new issuer Nationstar. Today I received an email from them welcoming me and pointing me to their website. When I went to their website ( either via the link provided or through searching for it on the internet ) the website seems to either be non-existent or severely broken. Below is 100 % of the text on their website at XXXX : 502 - Web server received an invalid response while acting as a gateway or proxy server. 
There is a problem with the page you are looking for, and it can not be displayed. When the Web server ( while acting as a gateway or proxy )  contacted the upstream content server, it received an invalid response from the content server. 

I 've never been late on my mortgage and in fact pay double payments. I can not get anyone on the phone or connected through their website to make a payment. Furthermore I believe its highly inappropriate that XXXX cancelled my payment which was due today on XXXX/XXXX/XXXX which has put me in this frantic mess.
As far as describing what happened, the letter I faxed+emailed to US Bank on XX/XX/XXXX sums everything up very well ... 

= = Re : Ref # : XXXX I submitted my application on XX/XX/XXXX. 

As part of the manual review process, additional information was requested. Faxed XX/XX/XXXX tax return, XX/XX/XXXX tax return, as well as an explanation of the history of my business on XX/XX/XXXX. 

Received confirmation of fax transmission on XX/XX/XXXX. Also confirmation via telephone of physical receipt by US Bank on XX/XX/XXXX. 

When I called for a status update on XX/XX/XXXX, the rep stated they still have NOT received any fax from me. The reversed course and said they DID receive the faxes -- but that my application wouldnt receive an answer until Friday. 

As a young woman, who is self-employed, I feel I am being discriminated against unfairly. Not counting authorized user accounts, I have 17 credit accounts in my own name with a total combined credit limit of XXXX. That includes 4 small business cards. I have never *once* been asked to submit tax documents. Further, I have never willingly submitted a testimonial of the history of my business. Went above and beyond. I havent been declined for a credit account in years. Every approval has either been instantly received online, or not taken more than 1 business day. You already pulled a copy of my credit report on XX/XX/XXXX. Tomorrow will mark the 6th business day youve been sitting on my information without making a decision. My solid personal credit history along with the testimonial/history of my company with verifiable data to demonstrate the scope of my business is *significantly* enough data to get approved for the XXXX limit I requested. Considering that I have total combined home equity of XXXX, the level of risk for the bank is non-existent. Without a doubt, we are in uncharted territory as far as the data you have requested, as well as the processing delay. I will respectfully give you until XXXX eastern time on XX/XX/XXXX to approve my application & call me at # # # - # # # - # # # # with confirmation. If US Bank fails to resolve this matter to my satisfaction, I will be submitting a formal discrimination complaint to the CFPB and FTC for violation of the Equal Credit Opportunity Act. Perfectly capable of representing my own interests, so there is no need to make idol threats about legal action. 

Faxing this letter to XXXX. Also emailing a copy to XXXX. 

= = The company failed to approve me within the reasonable timeframe I gave them as far as 1 final opportunity to make things right.
I sent a certified letter on XXXX XXXX, 2017 asking for validation of alleged debt. The alleged debt was not properly validated, and company still reports to credit bureaus. I filed a complaint with the BBB, and after one response from the company, they stopped responding. They still have n't validated the alleged debt, and are still reporting to the credit bureaus.
I opened the account in XX/XX/2017 and signed up for auto-payments. They indicated that it would take 30 to 60 days for the auto payments to commence. There was no payment due in XX/XX/XXXX. I made a payment online in XX/XX/2018. The XX/XX/XXXX bill indicated I was now signed up for auto payments and that a payment would be taken from my checking account on XX/XX/XXXX. When I received my statement it indicated that the auto-payment had indeed been made on XX/XX/XXXX. On XX/XX/XXXX XXXX called me to inform me that the payment had not been made as previously told. I was astonished as I knew there was ample money in the account to make several payments. The customer agent looked into my account and found there was a transposition in the account number for the checking account from which the payment was to be made. To ensure they had the correct number the agent made the XXXX payment while I was on the phone, and it went through. When I received my next statement I found that they had not only charged me {$25.00} for a returned check, but they also reported to the credit reporting agencies the payment was made 30 to 59 days late. The payment was due on XX/XX/XXXX, by the time they noticed that they had messed up the account number, contacted me, and obtained a payment was only 6 days. I do not know what party was responsible for the transposition, but I know they had 2 months to verify the account numbers. And they also could have called me when the payment did not go through, rather than waiting an additional week. 
The following month no payment was made from my account so I called them and they informed me that auto payment had been cancelled, without any notification. I told them that I wanted it to continue for which they apologized and re-instated the auto-payments and made a payment again while I was on the phone. XXXX then subsequent to my phone call, mailed me letters saying that my auto-payments had been cancelled, then another stated they had been reinstated. Both on the same date. No late payment fee or late payment report was made for this payment, even though I believe it was past due. They just took responsibility for the error, as they should have done the first time. 
I made complaints on two separate occasions to XXXX regarding this matter. I received 3 unsigned form letters in response, all identical, indicating they they were correct to report the payment late. I do not believe this to be the case. It was XXXX 's fault that payments were made late on both occasions. I made honest efforts to make the payments and even had to follow up on them. I had the money in my account for payments to be made. This was a simple mistake, likley on their behalf, and should have no bearing on my credit score. 
The bill XXXX-XXXX  attached to this report show that the payment had been made. The XXXX XXXX bill shows the payment unmade, the remade, as well as the {$25.00} returned check fee.
I have been writing letters to this company for more than two years. I 've made several request for this company to investigate, re-investigate, requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even though TWO YEARS has already passed.   Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.
I was a resident of XXXX XXXX XXXX. I moved out on XX/XX/XXXX. On XX/XX/XXXX I submitted my notice to vacate which, includes a counseling on cleaning requirements. This counseling was completed XXXX of XXXX XXXX the property management company which currently manages XXXX XXXX housing. She notified my wife via email of charges we were being assessed on XX/XX/XXXX, four days after our move out, while we were in route to our next XXXX XXXX. We advised her the charges were not correct namely the floor cleaning fee of {$120.00} which she stated in writing during my XX/XX/XXXX counseling with her would be {$60.00}. According to the collections agency attempting to collect this debt they received this case XX/XX/XXXX, all the while we believed the charges were being corrected. My wife received an email from XXXX on XXXX the XXXX and XXXX, she overlooked because we were in contact with XXXX not XXXX concerning the matter stated above. The collections agency was given the incorrect phone number concerning collections of this debt, despite my phone number being written directly on top of the bill in question and I was never notified of collections being involved which resulted in negative impact to my credit. Since then XXXX XXXX has admitted to the overcharge and reduced the bill accordingly. IT IS IMPORTANT TO NOTE I WAS NEVER CONTACTED DIRECTLY CONCERNING THIS MATTER, ALL COMMUNICATION WAS DIRECTED TO MY SPOUSE, AND I WAS REPORTED TO A COLLECTIONS AGENCY NOT HER. XXXX XXXX HAS MY INFORMATION
Have been receiving harassing phone calls from Focus Receivables Management for past 3 days ; each time I answer the call, the caller 's system hangs up the call. The number they are calling is on the national and state do not call lists. As a result of this, I can not even attempt to validate the debt in accordance with the FDCPA.
I own a home I tried to sell XX/XX/XXXX. No offers as it is underwater since XX/XX/XXXX. Realtor, then said short sale. I agreed but had to not make any mortgage payments for 2-3 mo. done. 1st Offer came in XXXX. I, realtor, lawyer did everything & beyond what SPS required. They have stalled, lied claiming they do n't have this document or that, yet they did and do. They have continued this from XX/XX/XXXX to XX/XX/XXXX when they finally approved a short sale that expired XX/XX/XXXX. THEY DID NOT APPROVE THE 1st or 2nd ( which is still on table as of XX/XX/XXXX ) OFFERS YET. The 1ST buyer backed out a day before SPS sent out the previous referenced letter. I fired that realtor due to his not informing me of things, let alone new damage done to my home during the hurricanes that summer. ( I live 3HRS inland & can not drive there willy nilly to check on my home ) Hired a new realtor ( XX/XX/XXXX ) and within a few weeks a new offer on my home @ substantially less now due to the damage to my home, hole in roof/ceiling etc. Again, SPS had XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX to approve the offer! Nothing, In XX/XX/XXXX I began getting duplicate letters from SPS as if I just began this short sale process all over from the beginning. I am going to lose this 2nd offer, my home is getting more and more damaged as SPS keeps fooling around with irresponsible requests for documents that they indeed do have. Please XXXX Select Portfolio Servicing Inc. You will see exactly what the problems I am having.
XXXX XXXX account is now in deliquency through credit reports due to them illegally charging the wrong payments on two differnt cards through XXXX XXXX not one twice but 5 months and payments in a row, i contacted them and never did they attempt to switch credit payment on the proper account leaving late payments extra interest and bad marks om my credit reports i cancelled card and tried to have situation fixed at that time when the woman from XXXX XXXX told me it was my word against theirs and they would absolutely deny payment on wrong accounts ever, my bank statements prove that for 5 months payments money was tajen out and put on my other XXXX XXXX account against my wishes and even doubled on same account payment twice in one month leaving my other account very late with extra interest and late payments i refuse to pay off a creditors extra amount of fraudulent charges i will settle with credit bureau for half of what i owe after thus horrible and lying episode from XXXX XXXX,
I hate to be a pest about this, but I have been trying to make sure that only accurate information appears on my report to no avail. I have submitted copies of my FTC ID Report, along with copies of police report filed a long time ago validating my assertion of theft and or vandalism of property along with my ID and drivers license etc. I also attached a Certified Notarized copy of my ID Theft statement. 

I continue to have several inquiries and attempts to open new accounts in my name even though i have placed fraud alerts on my accounts. I need these items deleted from my credit report as I have not authorized these items not the following accounts. 

Inquiries : XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX, XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX -XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX -XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX - Opened XX/XX/XXXX - This account shows balnce of XXXX - This account should reflect a XXXX balance as I have paid this account off in a month. 

XXXX XXXX ( All Accounts still showing I have done business with them but this is not true and results from Accounts being established in my name without my consent. )
A law firm by the name of BERNDT & ASSOCIATES P.C. Is trying to collect money for there client  XXXX XXXX. They proceeded by filing a lawsuit against me and we are now in the process of going to trial. My initial concerns was that this law firm has only supplied me with computer generated copies of statements that may or may not be accurate. This law firm represents XXXX XXXX, which is trying to collect money that is not owed to them. During and before the court proceeding this law firm stated they weren't debt collectors but the information sent to me stated this information was from a debt collector. The attorney sent to represent during the proceedings seems to think my wife and did not understand she was representing XXXX XXXX, witch in fact we were fully aware ... XXXX She also stated, after I asked three times, how much did XXXX XXXX pay for this debt, that I did not need to know that. It's my right as a consumer to know all information that I've requested, but this law firm and there client only gave computer generated information they wanted me to have, not all that was initially requested. The other scary thing about this case is that the law firm got our information mixed up with another client and gave me her full name and account number. The sad thing is they can't even handle what they are suppose to. It really concerns me even more because what if they have given my information to someone else as well. This law firm goes and tries to collect, get judgments against consumers and ruin their credit!!!! Unfortunately for them I will fight this to the end, even if I have to counter sue them or take this matter to a higher court.
I have a credit score that I 'm not understanding. Within the past 2 years actually less than that. I 've opened 4 new accounts and have n't missed a payment nor has it been late with these new accounts. I 've checked my scores recently and nothing about my score has changed in almost 10 years it has been the same. I should 've had 50 points added to my score just for opening the accounts. That would 've given me 200 points to my score in which it has n't. I 'd like to know why this has happened? Why have n't I received the points I should have? I feel as though these reporting agencies are keeping my score hostage at a lower % to make me have to pay more money. I hope this dilemma will be rectified and give me the score and credit that are correct. 
Thank you,
Signed up for XXXX XXXX XXXX with XXXX bonus points after XXXX spend. Spend was met and the points showed on the statement ending on XX/XX/XXXX. No points arrived by the beginning of XXXX. Contacted company over chat multiple times over multiple dates and kept being told by agents points would arrive in 1-2 days. Escalated to managers and kept being told the same thing. Manager as well as multiple chat agents in writing guaranteed me that I have earned the points and would receive them. Phoned company on XX/XX/14 and spoke with an agent that told me that the problem lied on XXXX 's end, and told me to call XXXX. XXXX then told me that the problem was on American Express 's end. 

Company wasted hours of my time contacting them as well as chasing down dead ends, and still has not posted the points to my XXXX  account as promised. Travel plans were nearly ruined on incomplete promises made by the company about when I would receive the promised bonus points. Looking at the transactions on the account, I have spent over {$12000.00} and have had multiple agents promise me in writing that the points were earned and would post, but those promises continue to be broken. American Express bills itself as a premier company, but it seems like I'm working with XXXX XXXX at this point.
NCB Management Inc. ran an ACH payment through our bank after specifically being advised to cancel the payment, and that funds were not available. Their representative assured us the payment had been cancelled as of XXXX XXXX, 2015, and they ran it anyways on XXXX XXXX, which caused our account to overdraft, and may result in fees from the bank. 
Our bank has been notified, and we have submitted an official fax reqeust to the company to refund the charge if the bank is unable to stop the unauthorized payment.
I APPLY FOR INTERNET PAYDAY LOAN ONLINE THROUGH XXXX XXXX ON XX/XX/XXXX. FOR THE AMOUNT OF XXXX. AND MY INTEREST RATE WAS XXXX PERCENT. THEY WOULD BE DEBITING MY CHECKING ACCOUNT EACH MONTH FOR XXXX EACH MONTH. I MADE MY LAST PAYMENT ON XX/XX/XXXX I COULDN T AFFORD TO PAY IT BECAUSE OF THE HIGH INTEREST RATE THAT THEY WERE CHARGING ME. THIS ACCOUNT APPEAR ON MY EXPERIAN CREDIT REPORT ON XX/XX/XXXX AND IT WAS SHOWING 120 DAYS LATE IN XX/XX/XXXX AND 150 DAYS LATE IN XX/XX/XXXX. STARTING IN XX/XX/XXXX IT SHOWED 180 DAYS LATE FROM XXXX ALL THE WAY TO 180 DAYS LATE TILL XX/XX/XXXX. WHY WOULD IT SHOWED THAT FOR 28 MONTHS THAT IS XXXX TILL XXXX OF XXXX. I FILE FOR BANKRUPTCY ON XX/XX/XXXX WHICH THIS ACCOUNT WAS DISCHARGE UNDER MY BANKRUPTCY ON XX/XX/XXXX. THE VIRGINIA FEDERAL COURT ALEXANDRIA DOCKET NUMBER IS XXXX. I CONTACTED BUREAU OF FINANCIAL INSTITUTION IN REGARDS TO XXXX XXXX ON THE CREDIT REPORTING ON WHY WOULD THEY HAVE MY CREDIT REPORT ON HAVING SO MANY 180 DAYS LATENESS AND I WAS INFORMED THAT THEY ARE NOT LICENSE IN VIRGINIA FOR INTERNET PAYDAY LOANS. I EXPLAIN THAT I TOOK OUT A LOAN IN XXXX AND WAS AGAIN I WAS TOLD THAT ARE NOT LICENSE IN THE STATE OF VIRGINIA.
Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies XXXX, XXXX , & TransUnion. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters below. I am not a credit repair company. 
Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. 
The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. 

Sincerely XXXX XXXX
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I have a Kohl 's Department store credit card. I made a purchase on the card on XXXX XXXX, XXXX for {$13.00}. I usually pay this off in store as soon as I make the purchase with my Kohl 's card but was in a rush and could not do so. 
Three months later, in XXXX XXXX, I received a bill from collections that I owed Kohl 's {$32.00} ; I immediately paid the bill and was very confused because I had never received a bill in the mail. I called the company and they said I enrolled myself in paperless statements, and they had been sending me my statements via email. I advised them that I never did so, and they accused me of doing so anyway. So, I went ahead and checked my email, and the last email that I received from Kohl 's was dated XXXX XXXX, XXXX, XXXXhree years ago! I never received my bill via email. 
So today, I went online to view my online Kohl 's account and it asked me if I wanted to go paperless, and I said no, meaning that I had not opted in to Kohl 's paperless in the first place. 
The reason I am submitting this complaint is because my FICO credit score went from a XXXX to a XXXX ; almost a XXXX point decrease over a {$13.00} purchase! I was not avoiding paying this bill by any means as I could have easily paid it at anytime. I have been paying my other credit card bills on time, as well as my car payment and really value this effort to have a solid credit score. I have never paid a bill more than a day or two late, I would never let it get to three months passed due. I am very upset by this because it was such a minimal charge and caused so much damage to my credit score, and this can affect my life in a big way.