WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage for my rental home was sold by XXXX Mortgage to United Security Financial in XXXX of this year ( 2015 ). We are in the military and had recently moved to another duty station. Unfortunately, I had n't updated my address on their website and missed that notification. I was not notified by email or through the secure messaging system on their website. 

I kept sending my loan payments to XXXX each month on an auto bill-pay. They sent the first XXXX payments to the new company, but stopped at that point and instead starded sending them to the address they had on file ... for 3 months after that. My bank has a widget on their website that tells me my credit score, and I wondered why it was dropping. I previously had excellent credit ( XXXX ) and it was tanking ( now XXXX ). We received a phone call from the new company requesting our updated information but I did n't feel comfortable sending my personal info without checking with the company with which I was in business. 

I got onto the XXXX website and saw that my last received loan payment was 7 months ago. I sent a secure message on XXXX 's website stating that I did n't know this had happened and asked them to verify that this had taken place. I provided my updated contact info and reminded them that they had my email and could have contacted me in other ways. A few days later I received XXXX checks refunded from XXXX from the XXXX latest months ( but nothing from the XXXX checks sent to my old address ) and a response stating that the sell-off had taken place. I had been paying my mortgage to XXXX for 7 months after it was sold unaware of the problems developing. 

I called the new company to make it right and was told I needed to pay the entire balance owed before I could continue to pay my monthly payments. They had already begun consulting with foreclosure attorneys and also fined me {$310.00} for those services, which they also required me to pay at that point to prevent further losses. I payed the overdue amount from my savings, along with the attorneys fees. 

Today, XXXX XXXX 2015, I 've received a letter from United Security Financial stating that my XXXX XXXX, 2015 payment is overdue and now I owe them {$77.00} in late fees. My payment that is due in the future is overdue?! 

I have emailed XXXX to request the XXXX lost checks be re-sent to my new address and that the money I was charged in attorney 's fees be refunded and am now awaiting their response. 

I 've realized why my credit score was tanking : An incorrect address and a company that did n't care enough to contact me through other means at their disposal. All the while I was paying them monthly, on time and in full. They have insulted my character, and have cost me money.
My loan was paid off by another customer 's insurance claim in error in XX/XX/2018. I was able to have this corrected and the funds were applied to the correct account. Prior to the correction, my title was released to XXXX XXXX XXXX. 

This means that I am not able to provide a copy of the title to a new finance company in order to refinance the loan. 

The first agent I spoke to XXXX, was very helpful and put in a request to reperfect the title and advised more information would be available in 2 days. 

After the initial 2 days, I have spoken with an agent every day for the last week and each one has been less helpful. I spoke with a supervisor named XXXX today and she directed me to XXXX XXXX XXXX. This company is unable to assist me as they can not resolve title irregularities. 

When I called again I was advised XXXX had placed notes on the account that they could not send me the title until I provided a Power of Attorney and I was again advised to contact XXXX XXXX XXXX due to her notes on the account. 

I need someone to reperfect my title and provide me with a copy soI can refinance.
What is going on? American Express told me my accounts will be reopened after payment. They closed my accounts down for financial review during the most difficult time of my parents XXXX. Then I was told if I make the payments in full for the Charge cards my cards would be reopened. After now a couple weeks it has yet to have a status change. Please reopen my cards as I had responsible timely payments in full for 5 years+ with American Express and I feel I am being bullied into submission here.
About a month ago I got in touch with a account specialist at mrcooper I am really greatful that mr cooper is offering me a new modification due to the disaster that I encounter months ago it was a really big help I am very thankful and for ever thank mr cooper for their big help. Now Im a little disappointed that as much as I try talking to an account specialist regarding the new payment of the new modification of XXXX its still a bit high I want to ask mrcooper investor or investors if there is more than one to please reconsider my age and now that Im a senior. I want to continue with my home and start fresh I also want to mention you once again that if the disaster wouldnt have affected me I wouldnt be in this situation right now and of course would be current before the disaster I had a family emergency that cause me to fall behind one or two months but I still kept on giving my payments also after the disaster 3 months lower payments that I completed I still continued giving my payments. 
I understand that Im not current at the moment but it is my priority to keep up and to keep my home but it is necessary for you to understand that I have a neighbor whom is an attorney and he advice me to ask you to lower my payment a little less from the XXXX I would like to keep the 3.00 interest that you are giving me and offered me in the previous modification. 
The payment back than was XXXX Please help me get a payment from XXXXto XXXX Im not asking you for a big difference only to drop the payment XXXX or XXXX less but I will be happier if its a little more than than and keep the 3.00 interest. 
The attorney said if you are offering me a new modification the new payment should always be less than your previous payment which was XXXX it should be less if my lender is offering me a new modification and keeping the same interest. 
Please help me I want to keep my home and start making my first trial modification payment this XX/XX/2018 or XX/XX/2018 It is my priority to keep my home and Im a senior citizen whom is asking you for your help by keeping he same interest at 3.00 and have you lower my payment a bit less than XXXX
My complaint is with Equifax, I received my credit report and noticed some inaccurate information, I immediately called them to have it removed, the rep was rude and incapable of helping me. I wanted to get inquires off and some accounts I was not aware of.
I paid my lease in full on XX/XX/18 and submitted the odometer statement on the same date. Hyundai representatives told me that if I paid online, I would have the title in five days. 

I called them on XX/XX/18 ( 8 days ) to check the status of the title. They made a number of excuses about the delay, including that it took 10 days to process, and that they had an issue with the odometer statement. The 10 day period contradicted what they had told me before, and they were unable to explain what the issue was with the odometer statement that I had sent 8 days prior. 

I called again on XX/XX/18 ( 14 days ) to check on the status again. Now they told me that the title had just been mailed, well after even their second promised deadline. Again they blamed the delay on the odometer statement, despite the fact that I had provided them the statement to them 14 days prior.
I have not stepped foot into a XXXX. I want to dispute this and take it off my credit reports.
We purchased a new home on Friday, XXXX XXXX and decided not to use the same financial institution to handle our new mortgage. Flagstar Bank held the mortgage on our existing home. The title company wired our payoff on XXXX XXXX. However, as the payment was received after XXXX I was informed our payment would not be applied to our loan until the next business day, Monday XXXX XXXX. This caused us to XXXX more days of interest accrual. 

Additionally, they would require you pay to receive you payoff amount. 

I believe both items are in violation of UDAAP.
3rd party attempted to call me to collect a debt on money I owe to synchrony bank and the Amazon.com store card. Collections agent called in XX/XX/XXXX and failed to disclose that the call was an attempt to collect a debt and any information would be used for that purpose. Called the company on XX/XX/XXXX to file a complaint and have the call listened to to confirm that the agent did fail to read my rights.
Slate XXXX chase XXXX OFERRED 0 % INT FOR 15 MONTHS & NO FEES ON BALANCE TXFR FOR 60 DAYSXXXX ( OR SO ) WAS THE XXXX & WENT THROUGH FINE, next XXXX {$2800.00} never got to my bank, I first requested it on XXXX & .chase said my bank returned it ( never got to my bank, they told me i had put the wrong act # on it. The number I put is by Personal bank act no. the suffix of which is the that they use for credit card aaccounts number. The bank would have known exactly where it went. Then chase accused me of putting my ck act # down & sited that for the reason my bank returned it. As I said, it never got to my bank.Kept checking, no info. they finally rec 'd the check on XXXX did n't want to have any more checks floating arouind till I knew where the XXXX almost {$3000.00} XXXX check went. 
I called many times to check on it and every time I called, they had no answers. In a very recent conversation they told me the $ was back in my act XXXX orXX/XX/XXXX.I had called after those dates & they said they still didd't know. had they told me it was in my account, I could have gone ahead with all my other transfers, ( but as far as I knew the $ was floating around somewhere.when they finally sent the check, they made the check {$180.00}? instead of XXXX originally requested. So when my bank called & told me the check had arrived, I noticed I still had a balance on the card. Since it was past the 60 days, XXXXthough XXXX errors were caused by chase, they charged me a balance trsfr fee. I asked them how do I get 15 months @ 0 %, they said you ca n't, even they caused it all. So now I have XXXX that I get 15 mos on, the majoroty of the & gt ; {$5000.00}, will only get 12mos @ 0 %.
I have sent over XXXX letters to XXXX and XXXX requesting a proper and Complete Investigation of an account listed as XXXX XXXX, Account number XXXX, and amount reporting of {$540.00}. They have failed on all instances to do so just merely sending back verified and not sending proof. Just stating it was electronically verified. This is not sufficient at all. They do not legally have the right to keep this apart if my file. I have never in my entire life done business with this company that is reporting adversely to my credit report.
Due to Hurricane Irma in XX/XX/XXXX, I was placed into the disaster relief forbearance program, which would suspend my mortgage payments and prevent any delinquent reporting to the credit bureaus. Even though I was enrolled in this program, Flagstar is reporting my mortgage payment late to the tune of 180+ days past due.

I was initially told that the forbearance would last approximately 3 months, and per the verbiage on their website : Flagstar has a special, no paperwork, Hurricane Relief Program, to help manage the payments that will come due at the end the 90 day period. If you choose to opt-in to the program, you will be provided a single point of contact to help establish a repayment plan and review additional options ( including financial hardship relief, and many loan modification options that could potentially include term extensions, interest rate adjustments, and payment reductions. 

At the end of the 3 months, I went online to make my normal mortgage payment. When I was unable to do so online, I contacted customer support. They told me to hold off making any payments since my file was still being reviewed. Shortly after, I started to receive letters stating I was past due on my mortgage, along with literature on how to avoid foreclosure. Concerned, I contacted Flagstar, and was told the letters were automatically generated, and my file was still in underwriting. When I inquired what the issue was, they stated it had to do with interest rates being higher than on my original loan, but assured me that the loan was not being reported late, nor was I in any danger of foreclosure. 

Between XXXXXXXX-XX/XX/XXXX, ( contrary to the no paperwork verbiage listed on Flagstars website ), I was asked to submit a hardship letter along with copies of pay statements. I immediately sent them the requested documents. Shortly after I received a packet of papers to fill out for the application, and mailed via XXXX. 

It was not until XXXX/XX/XX/XXXX until I finally had received my approval letter for a disaster standalone partial claim, and paperwork stating that my next payment would not be due until XX/XX/XXXX. Upon checking my credit report, I noticed that the loan was being reported delinquent by 180+ days. I contacted Flagstar twice to alert them to the fact I was in the disaster relief program, and that my modification had just been approved so reporting the payments as late was incorrect. Flagstar replied they would not resolve this issue, stating the credit reporting moratorium was lifted in XXXX. 

As of XX/XX/XXXX, my loan is current. The disaster partial claim has paid for the months missed due to the storm, so I can not fathom why this is being reported as late. This process took longer than expected and I should not be penalized for matters beyond my control. 

Thank you very much for your assistance on this.
In XXXX XXXX, I reported to XXXX, XXXX, and XXXX, that information on my credit report is incorrect. Date of first delinquency being reported by American Education Service ( AES ) is incorrect. They were even falsely reporting payments that were never made. This was a loan obtained in XXXX which is now a XXXX XXXX old account still being reflected on my credit report. It is being reported that last activity was XXXX when in fact no activity has been made XXXX years beyond that.
An account was opened with Citibank for a in store credit card at Bestbuy. Citibank has not cooperated with FCRA and has not provided accurate payment history, balances or statements. Additionally, they are not accurately reporting payment history and balances to credit bureaus.This account is signed up for paperless billing and emailed alerts. Their online disclosure states that signing up for these features will provide alerts for upcoming payment due dates. However, that has not been the case. They are not following their billing and statement policies provided to consumers. Citibank is not complying with their paperless billing. No online statement is available to verify payment history, balances or purchases. They do n't provide alerts until payment is past due. However, when setting up paperless billing Citibank informs consumers that signing up for paperless billing Citibank will provide notification to consumers regarding upcoming payment due date, access to statements and payment history. 

Additionally, when opening this account for a same day purchase Citibank allowed overages on this account without consumer consent. When applying for the card at Bestbuy the credit balance approved {$1100.00}. This approved credit was provided via receipt and by a Citibank representative on the day of credit approval and purchases. After checking the credit report Citibank reported a high balance, over the limit, of {$1000.00}. A call was immediately made to Citibank to dispute the claim and the inaccuracy. However, Citibank representative and supervisor refused to allow or file a consumer complaint/dispute to dispute their claims. Citibank claimed : When the card was charged {$1100.00}, the purchase was over spending limit by {$100.00}, further alleging the credit balance was only {$1000.00}. For clarification purposes of this complaint the total amount of purchases was {$1200.00}. When the items to be purchased were swiped, Citibank approved the purchases up to {$1100.00}. The remaining balance beyond {$1100.00} was paid for in cash. Citibank claims they decided to " extended credit '', however this was done without consumer knowledge or disclosure. Moreover, there was not consumer request for extended credit or balance increase. Furthermore, Citibank provides no such policy or consumer disclosure for Citibank to operate in that capacity to decide to '' extend credit '' to consumers without consent and notification. 

Proceeding forward since opening the account, payments have been made on time. Again, Citibank has not provided accurate statements, recorded payment history to consumer, nor have they allowed consumer access to those records in-compliance with FCRA. This has damaged consumer creditability on the credit report, damaged the credit score, resulted in denial of credit elsewhere due to their inaccurate history of payments and balances. These inaccuracies have been reported to Citibank ; however, they refuse to comply with the request pursuant to FCRA.
The company name Chase Bank. 
Amount {$4000.00} Date : XX/XX/2018
I sent a 609 letter to TransUnion on XX/XX/XXXXto validate the accounts listed in my letter. They have not done so and the 30 days is up. This has to be immediately deleted from my credit report per the FCRA 15 U.S.C. 1681i, because they could not verify the accounts. The accounts listed were : XXXX XXXX XXXX XXXX XXXX openedXXXX Account # XXXX, XXXX XXXX XXXX openedXX/XX/XXXX Account XXXX XXXX, XXXX XXXX XXXX opened:XX/XX/XXXX Account # XXXX XXXX XXXX XXXX openedXX/XX/XXXX Account # XXXX, and XXXX XXXX XXXX opened XXXX/XXXX/XXXX Account # XXXX. All accounts were unverified and need to be removed.
Received a letter from Transworld Systems which claimed I was delinquent in paying the XXXX XXXX of XXXX. As I had never received a bill from the XXXX XXXX and was not aware that I owed money for any goods or services I contacted XXXX who said that no bills had ever been sent to me and that Transworld was contracted to help their billing office send bills on open accounts. XXXX XXXX verified that my account was not delinquent as I had never been asked to make payment. In spite of this, Transworld claimed I was delinquent on my account which was untrue. Further, Transworld employee, XXXX XXXX, was rude and refused to answer my questions concerning Transworld 's relationship with XXXX XXXX and refused to acknowledge that there was not a delinquent debt.
Please review the time line that outlines the delay in my request to have my PMI insurance removed from my current loan. 

XX/XX/XXXX : requested to have the PMI removed from my loan account XX/XX/XXXX : called back to inquire on my request that I had sent to the lender in writing XX/XX/XXXX : called to inquire when the request would be completed. Was told that the request has been escalated and I should here back soon from a local appraisal company when they would be able to complete the request. 
XX/XX/XXXX : Follow up call was made with loan company on status of my request. Was told by representative that it may take up to three weeks for the process to be completed. 
XX/XX/XXXX : Follow up call to inquire on status of appraisal which was still pending. Was told by representative that my request was denied and that if I wanted an appraisal completed that I would have to pay for it out of pocket. Requested a copy of denial letter that was then emailed to my attention. 
XX/XX/XXXX : Follow up call made to loan department again inquiring on denial letter via email and if I wanted the appraisal still done that I would have to pay XXXX to have it competed. 
I then agreed to pay for the fee and the payment was completed over the phone via my checking account with routing number and account number. 
XX/XX/XXXX : received my loan statement that reflected my XXXX appraisal fee was processed as an additional payment towards my principal loan account. I called in to inquire on the transaction and was told then that my home required some unknown upgrade requirements to justify the appraisal. When I spoke with the loan representative I recall that they stated " don't worry about the fees you have paid into thus far and they will be refunded to you once the appraisal is completed as long as the home value meets the requirements. 
XX/XX/XXXX : Filed a formal complant XX/XX/XXXX : complaint was responded to with no valid reason for my appraisal request to be executed. 
XX/XX/XXXX : Called into CFPB to inquire on the next steps considering no valid reason was provided by third party as to why the appraisal request has not been honored. 

Lending company continues to delay my request and the loan is now reaching the two year mark and I am simply asking for a true market value assessment be completed of my home as the initial appraisal is now two years old in XXXX this year of XXXX. 

CFPB representative suggested I submit a new complaint for follow up.
I contacted TransUnion to have the last payment made date looked into. It has still not been fixed. It almost seems whoever might have did it so that I would report the matter.
I have correct information regarding student loans onnmy accounts. However i have incorrect information showing accounts : XXXX XXXX XXXX, XXXX at XXXX XXXX, it shows credit cards that arent mine as well with negative balances, it shows diferent creditors for years and has affected my credit score when the only thing i had done was student loans. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless
I took out this Navient ( formerly XXXX XXXX ) student loan for my son - it started in XX/XX/XXXX. Over the next 3 years, we borrowed a net total of {$95000.00}. Since XX/XX/XXXX, we have paid them {$91000.00}. We have very rarely paid late ( 6 times in all, and on those occasions we paid double to show good faith, we paid late because we simply forgot - we pay on line and do not receive invoices in the mail ). There are months where we pay XXXX, and over XXXX is interest. 
How can this be legal? Out of the {$91000.00} that we have paid, only {$29000.00} was applied to principal, and {$62000.00} was applied to interest. My problem with this is that I have had several unsecured loans in the past, at around 8 %, and it was nothing like this. My current balance is {$66000.00}, and they project my payments ending in XX/XX/XXXX? Really? I have tried to get my interest rate changed and they told me to call my congressman. Attached are all of the documents. I believe this is slanted, not transparent from the beginning, and absolutely unfair. 
Please help me to do something about this. If I had known I was taking a loan from criminals that would be spread over a 25 year period, and would be this slanted - I would have never done it.
hi, the date of bankruptcy is inaccurate on " '' EXPERIAN '' '' the accurate date is XX/XX/XXXX which is also reporting by XXXX and XXXX XXXX, so Experian needs to make the correction
Barclays Bank Delaware closed all my accounts without just reason. Indeed, they are allowed to close for no reason, under the cardmember agreement. However, credit card points accrued should not be forfeited without giving the customer ample time to redeem them.
Ive contact XXXX XXXX  about a credit that got on my account that was not mine. Ive contacted them more that 5 times. XXXX  said they agreed to take it off one moment. Then next moment they decided not to. It have been 7years and i still can not get this off my account. 

XX/XX/2010 {$370.00}