WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim o f Hurricane   XXXX  (  XX/XX/XXXX ) and my home was declared a total loss. I qualified for the flood insurance ( sitting in escrow with  the bank  XXXX   XXXX   ). No mortgages were paid because no home exists from the severity of the damage. We were negotiating a new mortgage, as I was waiting to get a release of a Grant from the NJ Government ( RREM ) to rebuild my home. All was good UNTIL th e bank sold the hundreds of bad "  XXXX  loans '' to a  3rd party bank (   Statebridge  Bank in Colorado  ).   IMMEDIATELY thereafter, I was sent a foreclosure notice AND they absconded with my {$130000.00} of flood insurance money!! Additionally, since I am  fully   XXXX  ( due to the losses of my wife/home/business/personal belongings ) and no longer able to work and to afford a high mortgage, I was forced to file CH.  XXXX . What makes this worse, it i s ILLEGAL for any l ending institution to foreclose on a  XXXX  Victim PRIOR to   XX/XX/XXXX !! So , the bank refuses to accept my offer of paying them off or recasting my mortgage to an affordable su m ( HARP Loan ). MY offer was 1 1/2 times OVER appraised  value!
XXXX XXXX XXXX this company trying to collect money and does not provide explanation of the amounts of a debt not providing explanation of charges defining the debt.
XXXX XXXX transferred my loan to Specialized Loan Servicing on approximately XXXX/XXXX/XXXX. At the time my mortgage payment with XXXX XXXX was XXXX. It was broken down as follows : P & I {$1000.00} and Escrow of {$450.00}. The escrow amount amount transferred to SLS was {$4200.00}. Specialized loan services did not send me any statements so I contacted them to start paying my mortgage. They insist that the amount of my mortgage payment is {$1900.00}. {$1000.00} in P & I and {$870.00} in escrow. This would calculate out to over XXXX a year in taxes. As my property tax is only XXXX and my insurance premium is {$670.00}, the amount that they are trying to escrow is twice what it should be. I mailed a payment for {$1400.00} in XXXX which was cashed by SLS in late XXXX. In XXXX I made a payment of XXXX to make sure that there was enough funds in escrow to cover my taxes. I also made two payments in XXXX XXXX in the amount of XXXX. I have finally gained access to my online account in XXXX to find out that SLS is keeping all payments of XXXX in an unapplied account and calling my account delinquent. I have made numerous calls and have spent hours on the phone with various SLS staff and have been disconnected, put on indefinite hold, and told that a ticket has been opened only to call back to find that there is no ticket for the problem. In XXXX alone I spoke with XXXX in executive services Empl # XXXX on XXXX ; he was going to call and update me the following week. He did not. I spoke with XXXX in executive services Empl # XXXX on XXXX/XXXX/XXXX and was told they are still looking into it. I spoke with XXXX in Executive Services Empl # XXXX and was told to write an e-mail to XXXXXXXXXXXX I did write that e-mail and have not had any response. She also told me that SLS would not accept any payment less than XXXX. I honestly do not know how to move forward with this to get this resolved. I received a new escrow analysis showing my monthly mortgage payment beginning XXXX XXXX will be XXXX. However this does not resolve the fact that SLS is not applying my current payments to my mortgage. In closing I received a letter from SLS today stating that my mortgage is seriously delinquent due to the fact that they are holding all of my payments in an unapplied fund account. This is negatively affecting my credit rating and by not applying my payments correctly, the interest I paid in XXXX is incorrect as well as the fact that I am accruing additional interest on my mortgage. Additionally they are holding a cushion of {$840.00} in addition to the {$840.00} which is XXXX of the estimated payments for my anticipated escrow. Any assistance that you can give me would be greatly appreciated. It has been a nightmare dealing with SLS.
i was paying my mortage on time through in my cradit report XX/XX/XXXX XX/XX/XXXX mark as x mean unknown. as wel fromXXXX XXXX toXXXX XXXX.can u please make these period ok as it should.
The original medical provider completely mislead me into thinking that my insurance will cover ALL of the costs associated with treatment. I was very specific with him and he was very insistent that all costs will be covered by insurance. Well, as it turns out, this was NOT the case. Not even close. The part that really gets me is that my insurance does provide me access to acupuncturists that it will cover ALL of the costs. 

What was the point of me going to someone for treatment that will require me to pay out of pocket when I have an option for the same service at XXXX out of pocket cost? 
This was unexpected to say the least. After all of that, I still paid out of pocket in the amount of {$500.00} but that is all that I am willing to pay. Even that is too much. This is a very direct instance of the medical provider deliberately misleading me so they can get the business. 
I object to this debt and I dispute the validity of this debt. This is a complete sham and the original medical provider should be ashamed of himself. He looked me straight in the eyes and told me that insurance will cover everything, you wont have out of pocket costs. THAT is the only reason why I agreed to the treatments. Well after a few treatments and after they bill the insurance, they start trying to bill me. 
I want this account to be removed from my credit report.
I moved my loans to XXXX XXXX XXXX in XX/XX/XXXX when i began working for the XXXX of XXXX XXXX. After multiple rejected employment verification letters, i have vowed to start paying my loan off asap and forgo public student loan forgiveness. I currently have my payments set to direct debit on the XXXX of month. When i decided to explore the best strategy to repay my loan early, i was disappointed on how little information was available on the website to maximize my savings. After hours of phone calls and multiple emails, i was able to set up my loans so that additional payments did not get applied to future payments. Along the long road, i also found that in order to apply all of a payment towards the principle balance, the payment had to be made on the same date of my direct debit ( XXXX of the month ). All account reps i talked too did not understand what it meant by my request to make my extra payments be applied to " principle only '' In XXXX, XXXX, XXXX, and XXXX have the XXXX fall on a weekend. Due to their policy, you can not make additional payments on the weekends by phone or online. So the only option is to pay extra payment the weekday before the XXXX of the month. This practice is not advantageous to the borrower as the payment will be fully put towards the principle balance and help me suffice my obligation to the government. 

In addition to not being able to pay on the weekend, my account is listed as past due, 2 days after my direct debit was scheduled. This is causing me undue stress because even when i called yesterday, the representative could not tell me if my direct debit would be processed and i would not be considered late. I had a similar instance in XXXX where the account rep could not tell me with confidence that my direct debit had taken place. The only thing they offered me was to make an additional payment, which seemed predatory as my direct debit was processed in the days after the due date. 

Also, my direct debit is not listed as a scheduled payment on my online fed loan servicing account even though it has been taken from my bank account today. 

In summary, the process to make payments to reduce my principle balance is too complicated and not set up to to benefit the borrower. Also, if direct debit payments can be scheduled for the weekend, additional payments should be allowed on the weekends. Finally, payments take too long to process and are not reflected accurately in my online account.
For 2 years now,   XXXX   XXXX   have bought my former mortgage without me knowing for a six month period. No documents were sent, no phone calls were made.   XXXX   XXXX   is now being followed up by a lawyer. They did start correcting information on Equifax, but refuse to update information on   XXXX   XXXX  .
My credit was used for someone in a country where I do not live to obtain a cell phone and service contract. I received an email today welcoming me to XXXX which prompted me to contact the company with the phone number, account number and billing date to find out why I received the email. After three phone calls, XXXX service reps and about 2.5 hours of waiting and talking, I learned someone walked into a XXXX store and opened an account using my maiden name. The company claims that XXXX forms of identification, matching signature and a credit check are required to open an account. One agent claimed the account must be opened in person, while one said the account could be opened over the phone and no one could confirm how the account was actually opened. I am awaiting a return call from the fraud dispute center at XXXX within the next two days, but in the meantime the rep stated they would not provide any further information to me regarding the account because I could not pass the security identification for access to the account.
To whom it may concern : Allied Interstate is attempting to collect a debt that was included in the bankruptcy which was discharged XXXX/XXXX/2015. This is the second time that a collection company is attempting to collect this debt for XXXX. 

About a month ago, I filed a complaint against Allied in XXXX XXXX, Nevada who even reported me to the credit bureau causing my score to plummet XXXX points. Because of the CFPB, Allied removed it from my credit report, however, the score never fully recovered. 

This is harassment that I am getting 'bounced around ' from XXXX collection agency to the next. Attached is the letter they sent me. I spoke with XXXX and XXXX yesterday regarding the bankruptcy. I hope this is the final letter.
goldman sachs bank allowed unauthorized transfers out of my account. XX/XX/XXXX {$9000.00} out on XX/XX/XXXX XXXX into account and XX/XX/XXXX {$9300.00} out. There was a pending transfer of {$700000.00} on XX/XX/XXXX I cancelled before transfer was made I reported the theft of funds to goldman sachs on XX/XX/XXXX.and they did nothing to secure my account on that date.The attempted {$70000.00} transfer was made 4 days after my complaint. The security for the account was set up by a sixth grader. If some has your email address all the need to do is go to the online account login which asks for your email address as your username. Type in your email address and it asks if you want to change your password Check reset password and they send a temporary password to your email address Now you log in with the password they gave you and you can now do whatever they want with your money. They have been looking into this for 20 days now I have called numerous times and have gotten 20 apologies but no money Please help me get my money back I am XXXX years old and living on social security
Transunion is reporting accounts that are not mine. I have disputed with them before but they produce no evidence to show me that these indeed are my accounts. They are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. The reports they send back provide no evidence of verification. It just says the exact same thing from the previous credit report. There is even  NR ( X ) not  reporting on the months of the accounts that further prove these accounts are not verified. They  need to delete  these account immediately.
XXXX PHONE NUMBER XXXX XXXX I IN XXXX SENT BACK THERE CELL PHONE TO XXXX, INDIANA THEY CHARGED ME WITH A 2 YEAR CONTRACTAND NO ONE HAS MY LAST EMPLOYER GENERAL DEVICES COMPANY FROM XXXX TO XXXX MY INCOME SOURCE IS XXXX XXXX SINCE XXXX/XXXX/XXXX
( 1 ) Filed for Modification for Mortgage Loan with Navy Federal Credit Union on XX/XX/XXXX ; ( 2 )  Contacted Navy Federal Credit Union about Modification. Faxed additional documents ; ( 3 ) XX/XX/XXXX faxed letter to Navy Federal Credit Union regarding status. No Response. 

( 4 ) XX/XX/XXXX faxed letter to Navy Federal Credit Union regarding status and requested written response. No Response. 

( 5 ) Telephoned Navy Federal Credit Union and was advised that a Representative would contact me regarding Modification. No Contact.

( 6 ) Faxed letter on XX/XX/XXXX to Navy Federal Credit Union regarding Modification Package. No Response.
I was contacted by Trandworld Systems attempting to collect a debt that was being collected by another collections agency. When I was contacted by them the amount they said I owed was more than the original debt. I sent them a letter advising them that the debt was already being collected by another company, provided them proof of the other company collecting the debt, and that they had increased the amount I owed. I asked them to cease attempts on collecting this debt. I have not heard from them since but they have now added the collection to my consumer report and it is now showing in collections on all XXXX bureaus.
I received written notice that my home loan was transferred from XXXX to Shellpoint. 
Now both XXXX and Shellpoint say they do n't hold the loan. 
I have made repeated phone calls and sent many emails to both companies, still both claim that they do not hold the loan.
In XX/XX/XXXX, 2 letters were delivered to Curo XXXX and XXXX  stating that an old inquiry still hasnt been removed from my XXXX Credit Report. Curo XXXX completed a credit report inquiry in XX/XX/XXXX. XXXX should have removed the inquiry within 2 years which should have been XX/XX/XXXX. The inquiry still remains.
On XX/XX/2018 I sent notices to ALL 3 credit reporting agencies advise that I am a victim of identity theft. I request that a alert be please on my credit, fraudulent address and that all the account relates to my identity theft be removed from my credit report. I provide a police an affidavit and a list of fraudulent account with dates and details. I also sent this information to the creditor listed on my report. As of today only one account has been removed. I have exhausted all options at this point. This situation has already been tough enough, as a feel extremely victimized, but now to have to fight to have items that do not belong to me removed is a bit ridiculously.

The credit reporting agency sent me back letter stating that the account are verified, Im constantly stressed to know someone has and currently is using my personal information.

The accounts are listed on the attach police report
I have a loan I lost my job due to car accident it 's XXXX and I would not drive I am waiting on XXXX I told them that want I receive my payments I would pay them Several time I told them So they still call me two to three time per day
The lender obtained a new credit report and score for me, without my express permission, and used that new information to judge and lower my credit limit with them removing all of the available credit I had on my card even though I have never had a missed or late payment with them during the XXXX years that I 've had their credit card. Their action changed my credit utilization on that card from about 60 % to over 99 % causing an adverse effect to my credit profile.
Trying to freeze my credit with TransUnion after XXXX hack. Have tried multiple times to reach TransUnion via phone and web over the last few days, but they say they are overwhelmed. I feel this is no excuse ... they are holding my credit hostage because they are understaffed. It was easy to freeze my credit on XXXX website. I imagine TransUnion is purposely trying to avoid having too many people freeze their credit reports. This is unreasonable.
I have  a Walmart  i card Account ending in  XXXX  for 1 year now and payments have always been on time, yet they continually lower my credit availability ... based other Synchrony accounts that were fraudulent and reported as such i want my credit avail increased fairly, and reinstated to the  XXXX  i once had.
In my previous Complaint # XXXX On XX/XX/XXXX I submitted a disputed with Experian explaining to them that according to my personal bank statements that I clearly show I was NEVER late with XXXX XXXX XXXX on the following dates XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have also reached to XXXX XXXX and did not recieve any response. 

Also XX/XX/25 I submitted a disputed with Experian explaining to them that they are ruining my credit worthiness by reporting untrue loans, from XXXX XXXX Loans as 3 different loans on 3 different places on my report. THIS NOT TRUE and is unfair. The accounts have 3 different open dates and some have OPEN DATE 1 ) .XX/XX/XXXX 2. ) XX/XX/XXXX 3 ) .XX/XX/XXXX with all 3 having the same account number. Also all 3 are reporting CLOSED and CHARGED OFF with a BALANCE of XXXX or XXXX and a MONTHLY PAYMENT AMOUNT! tThey have been allowing them to fluexate the amount to increase a XXXX then decrease. Its insane!!! This shouldve been deleted long AGO! How is this ok? Payment status show current and account status shows closed!!!! I have contacted with no proof and it resulted in the other bureaus deletions.I have begged for methods of verification its been OVER 30 days since I begin to pursue this issue! it has really caused major issues. 

ON XX/XX/XXXX I indicated I DID NOT apply for credit, GIVE ANY WRITTEN OR VERBAL CONCSENT or BAT MY EYE, SEND SMOKE SIGNALS OR ANYTHING ELSE to any of these companies yet they remain on my report.I HAVE NOT APPLIED TO ANYTHING NEW! WHY WOULD I WHEN I HAVE OLD ISSUES STILL PRESENT. I have filed Police reports and placed fraud Alerts to have them removed YET they are still on my report ALONG with new inquires! This is very troubling as I am trying desperately to get my life on track. Please assist me in getting these things addressed properly.
I have an auto loan with Wells Fargo. I received a call from them on Saturday, XX/XX/XXXX when I was out of town so I called back Monday, XX/XX/XXXX and setup a payment dated for Friday, XX/XX/XXXX to take care of my XX/XX/XXXX payment as well as pay extra towards the principal. This afternoon, XX/XX/XXXX, I received a collection call with them trying to collect and make arrangments on a payment I already setup. When I advised that I had a payment setup, I was told that I'm still delinquent and they have to ask why I'm late. I was never explained to why I received another call and was just told it will be taken as a promise and I won't be called back. It felt harassing to me after I have already setup arrangments and an apology for the call was warranted. If my payment was accepted by Wells Fargo, I shouldn't get calls asking for the same payment two days later.
CitiMortgage is reporting my mortgage account to the XXXX major credit reporting agencies as 30, 60, 90, 120 days late, beginning XXXX 2014 through XXXX 2014, which is incorrect. I entered into a loan modification agreement during this period of time. When I first contacted CitiMortgage, I was informed that I would have to be 30 days late before I could be approve for a loan modification. I applied for the loan modification because money was extremely tight due to previous job loss and very serious medical conditions for both my wife and I, however, I was fully prepared to make the XX/XX/XXXX payment. Per instructions from CitiMortgage and in order to qualify for the loan modification, I did not make the XX/XX/XXXX payment and was subsequently approved for the modification. I made each payment, per the modified agreement, beginning in XXXX 2014 and continuing until now. However, the payment history now being reported by CitiMortgage reflects that I not only failed to pay in XX/XX/XXXX, but also XX/XX/XXXX and the following months through XXXX 2014. 
I have disputed this directly with CitiMortgage ( see attached ) and they have verbally communicated that they will not change this erroneous reporting because this " is just how we report it. " Therefore, the only conclusion I can come to is that CitiMortgage is KNOWINGLY and INTENTIONALLY reporting this inaccurate information in violation of the Fair Credit Reporting Act after being informed of their error. 
Since CitiMortgage obviously does not care about the consumers they are harming and is refusing to correct this error, I request that the CFPB step in and assist me with raising my issue to the appropriate management levels at CitiMortgage who have both the authority and willingness to right a wrong that is causing harm to a consumer.
On XX/XX/2018 I received a postcard ( that was delivered to my neighbors residence ) containing the following : Full Name Address Estimated home Value The amount still owed on my home amount of cash available to me The remaining term of my current home loan While I understand much of the information is public record, my current financial information is not. This information has now been shared with parties outside of my family without my consent.
On XXXX XXXX, XXXX, I received a letter from a debt collection agency, Mark Kirkorsky P.C. Law Office of XXXX XXXX ( XXXX ), it claimed that I was liable to XXXX XXXX XXXX ( XXXX ) for a non payment of a service XX/XX/XXXX. XX/XX/XXXX, I was a property manager and managed a rental home for my client at XXXX XXXX XXXX XXXX XXXX XXXX CA. We had a XXXX XXXX XXXX XXXX to do all the appliances repairs. I filed a claim through the home warranty company and XXXX approved the claim and authorized, hired XXXX XXXX XXXX XXXX and did the service. On XX/XX/XXXX, I received a phone call from Mark Kirkorsky Law Office ( XXXX, XXXX XXXX ) and said I owe {$290.00} to General Appliances XXXX. I was shocked regarding such a phone call. After I did some investigation, I have learned the XXXX had billing issue with the home warranty company and finally they turned the bill to the collection agency. However, Law Office of Mark A. Kirkorsky PC does not right to pursue me to pay them on the service for these reasons : 1 ) I did not hire them for the service and I did not have service contract with them. They were hired by the warranty company and they had contract with home warranty company ; 2 ) I was not a home owner or landlord on that property. I was a property manager at that time. I was not a beneficary for that service. The debt is not mine. I am very concerned about this debt collection agency that they did not fully verify information before sent out collection letter and they made harrassment phone call to me. The unpaid bill was involved with home warranty company and billing collection problems between warranty company and service provider XXXX XXXX XXXX XXXX XXXX. They should not get the property manager involved and liable for non payment. The debt collection should sue and get judgment from XXXX XXXX XXXX XXXX but not me, a property manager.nstead, I never authorized the service contract and never hired the service company myself. We used XXXX XXXX XXXX to cover our repairs and expected XXXX XXXX XXXX to take care of the bill. The debt collector chases the wrong party.