WillisBack/dataset-financial-user-claim huggingface dataset:
I had my purse stolen in XXXX of 2017. I have all of my credit cards set up with automatic payments. It took me some time to go to my credit union and get the account changed since I was out of the country. One of the automatic payments for my Capital One credit card shows as being missed and that is not accurate. I called Capital one to tell them what happened, they told me over the phone that I would not be affected and I gave them the updated bank information and got caught up with my account. I did not miss any payments.
I have repeatedly requested a correction to reflect I have never lived at the address of XXXX XXXX XXXX, XXXX XXXX XXXX from Equifax, which is the only agency reporting this as one of my previous addresses. They have never corrected the error over the course of several years. My credit history and score are exemplary so I suffer no consequences from the error, but Equifax just continues to fail to correct the error. I know there is another XXXX XXXX in XXXX XXXX. There was a XXXX XXXX XXXX that went to the same XXXX as me, but I am XXXX XXXX XXXX. At any rate, I have never had a residence of XXXX XXXX XXXX, XXXX, XXXX. I really wish this would be corrected. I have made several requests for correction but have never received any response to my requests.
In XXXX of 2018, the account in dispute is inaccurately showing there is a late payment when this account is in perfect payment history. I have tried to request assistance from said company and they have referred me to each credit bureau who has failed to correct this inaccurate information that is on this account. I am now requesting the help of the Consumer Financial Protection Bureau to hopefully get this corrected and expedited on my credit reports. I appreciate any assistance in advance and thank you for your time.
Multiple automated calls from " Weinberg Mediation Group '' since XX/XX/XXXX claiming of taking legal action against me with no reference to what the actual case was and no option to speak to a representative. 

On XX/XX/XXXX I awoke to an automated call at XXXX. Agitated, I called back and spoke to a representative. They told me they were calling to collect on a debt I had. I informed them that they were in violation of the Fair Debt Collections Practices Act. They replied it should be XXXX where I lived and I told them that was incorrect and that I live in Alaska. They attempted to defend their automated call by claiming they have an Arizona phone number and address on file for me. I told them that was irrelevant because my new address is publicly available via credit report and it 's their responsibility to verify information prior to calling to ensure that they 're not in violation of the law. Representative claimed to take note that I lived in Alaska and I ended the call. 

On XX/XX/XXXX, I received yet another automated call prior to XXXX, XXXX XXXX to be exact. Called the number back and attempted to abrasively tell them that it was the second time they were in violation of FDCPA and if it happened a 3rd time I would pursue whatever action I could for them being in violation of the law and harassing me. The representative proceeded to talk over me eventually stating that he was " was moving forward with the case against me '', " good luck '', and proceeded to hang up on me.
The mortgage company does n't pay homeowner 's insurance. 
I received a letter from my insurance company letting me know that almost 2 weeks after the due date the homeowner 's insurance has not been paid by the mortgage company. The money is in the escrow account! I first called the mortgage company XXXX. They said they never received a bill. I then e-mailed them the letter of the insurance company in which they were letting me know that we have 1 additional month to pay the premium otherwise the homeowner 's insurance will be cancelled XXXX at midnight. I was told they will take care of it right away. I called the insurance company XXXX to check if the payment was made. It was n't! So on XXXX I called the insurance company again to check but still no payment! I called the mortgage company. First I was on hold for about 15 minutes, when XXXX came back I told him I am recording this call. He said fine and disappeared for another 20 minutes. Then I was told that the bill was still not paid but they will pay it that day. I asked how they will pay it and he told me via automated bank draft. When I asked for a confirmation he said he could n't give me one. He also mentioned that he " went above and beyond '' to help me. I thought it was their job to pay my insurance on time since they are collecting the money from me. 
Because I was n't able to get a confirmation for the payment I asked to speak to his supervisor. I was transferred and the supervisor told me that they will send a check today. So I again asked for a check number or some confirmation. He said he ca n't give me XXXX now but promised to call me as soon as he had one that day. He called around XXXX and told me that they attempted to pay over the phone but the insurance company did n't accept their payment via phone. So it 's not their fault that the bill was n't paid. 
Our insurance company gave us another 30 day extension. I hope by then the mortgage company will find a possibility to pay.
XXXX XXXX XXXXXXXX ( XXXX ) transferred my loan to Carrington Mortgage  XX/XX/2018 ; however, when I contacted Carrington the new mortgage company to inquire about the increase in my mortgage payment. I was told XXXX   didnt transfer any loan documents to them and if I had a dispute I had to provide them with documents to support my claim. I disagree with their response. Carrington should have my mortgage history along with the deed of trust if Im responsible to make monthly mortgage payment to Carrington. I want to have legal documentation that the loan transfer is valid and they are the new lien holder of my mortgage. My loan has increased {$200.00} more than the original loan agreement. I struggled with the original loan amount ; therefore this increase is burdensome and unreasonable. Any assistance is greatly appreciated. 

XXXX ( XXXX ) XXXX
My name is XXXX XXXX, i requested Loan modification, to my mortgage leader, and they denial, I also requested short sale, and they have been playing game, asking documents offer and offer again. Now I really need help. My Phone number is XXXX. Or my husband number XXXX.
I HAVE PAID ON THIS BILL EVERY TIME I RECEIVED A BILL. ALSO HAVE PAID TO DATE {$690.00}. WHICH WAS NOT DEDUCTED FROM {$1700.00}. I AM MORE THAN WILLING TO PAY ON THIS DEBT BUT WAS NEVER NOTIFIED BY MAIL NOR EMAIL. EXPRESS RECOVERY WENT STRAIGHT TO COLLECTIONS WITH NOT LETTING ME KNOW TO WORKOUT A PAYMENT RECORD
This would be " Part II '' of my complaint. I have submitted XXXX regarding my prior mortgage company XXXX XXXX. 
My mortgage company, XXXX XXXX XXXX, sold my loan to Roundpoint Mortgage. Since Roundpoint has had my loan, they have insisted that I am in arrears due to money owed with XXXX XXXX. I was caught up with my payments with LenderLive ( although apparently they beg to differ ) but can not get them to communicate with me or Roundpoint and this should certainly been done by now. 
My biggest problem with Roundpoint is that they are trying to charge me late fees for this Lenderlive problem. I have since paid the XXXX while I am trying to straighten them out the problem but it is not my debt or error. I paid all of my mortgage payments!! 
The other problem is Roundpoints awesomely BAD customer service. I have called several times and each person I speak has been very nice but has NO idea of my true loan history is with them. 
1 ) Their bookkeeping is very confusing. I call them to discuss this past due amount that is hanging out and they tell me something different every time. First that I NEVER paid XXXX in XXXX ( but I did ) ; once they told me I never made an XXXX pmt to Roundpoint ( but I did ) ; they told me that I have only made 2 payments ( when I have made 4 ). When the last lady I spoke to said that, I asked to speak to her supervisor who kind of straightened things out - she said I had a nonsuffient funds on XXXX I tried to pay. I said I had plenty of money in the bank then. I asked her which of my accounts they submitted it to and she said my XXXX XXXX XXXX ACCOUNT a bank account which I have NEVER had ( yet I did receive an email confirming my transaction was for the correct account and correct bank so why did they submit it to the wrong account????? ). She took off the late charge with the agreement that I would pay the XXXX with another account. Which was " nice ''. 
Upon hearing this, I made another payment for the XXXX NOT because I owe it but because I do not want to have to contest late payments in addition to everything else and I do not want to ruin my credit. I do try to look up my Roundpoint account online to check my payments but the only thing they have posted ( as of today ) is attached ( for XXXX/XXXX/16 for XXXX - the nsf XXXX that does not even show up ) ; payment for XXXX for XXXX and payment for XXXX for XXXX. I CAN NOT SEE ANY OTHERS OF MY PAST PAYMENTS. 

At least they do answer their phones but 99 % of the time they have the wrong information. 
I am attaching a copy of my LAST XXXX XXXX mortgage statement and a copy of the FIRST Roundpoint mortgage statement I have. Maybe you can see what happened during this transition to make me incur this XXXX debt when it was transferred. Can you help me please? 
Thank you! 
XXXX XXXX
I opened a bank account with Wells Fargo in XXXX, took out a credit card but never paid back what I owed.Now on XXXX I decided to pay what I owed to try to reopen my account and could n't because I have a bad report now I need help to finding out what I need to clear everything to be able to reopen my account with Wells Fargo.
Hello, I contacted you last year about Maxium Title Loans harrasing me over a unpaid loan. The case number that I was given XXXX. 

We eventually went to court on this matter and the judge ordered that I would have to pay {$730.00}, which what was owed when I defaulted on the loan after paying almost a year on it. 

I was going to have my wages garnished. The judgement came on XXXX XXXX, XXXX. 

I received a call at work on XXXX XXXX, XXXX from somebody probing my coworkers for information. I had already left for the day and my coworker referred them to my human resource department, XXXX. There was also a voicemail left on my work number as well saying to give them a call. Within 30mins of my coworker calling me about the call they got, I received a phone call on my personal number. My number is not associated w/my name and can only assume that my HR department gave them my personal number. 

The number Maxium Title Loans called from was XXXX XXXX XXXX and the gentlemen said that they were going to move forward on garnishment and did I want to work something out. I was in shock that they were calling me after being instructed never to call me at work and they could have not have had my personal number without getting it from my employer somehow. All that information was in the first complaint. 

I told the gentlemen that we were in court almost a year ago and I have been waiting for the garnishment since the court date. The gentlemen said that I owed the company over {$1300.00}. I told him that my paperwork said that I owed {$730.00} and it 's not my fault that they waited almost 1 year to get an extra {$600.00} on interest. NOT FAIR!! I told the gentlemen to do what he needed to do because I was not working anything out with him or his company. The garnishment should have taken place immediately after our court date and not 1 year later to gain interest. I am also reaching out to the courts where the judgement came from to see if I can get back into court for this delay that will cost me {$600.00} ( case number XXXX XXXX ).
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
I bought my home in XX/XX/XXXX I used the VA Home loan and I am a XXXX   veteran. I have made all my payments on time the entire time I have owned my home. In XX/XX/XXXX, my house payment was kicked back to my account. Unbeknownst to me, SWBC changed the payment portal website and did not notify me in any way. When I called to find out why my payment was sent back to my account, they told me that they have a new payment portal and to use this website from now on. So by the time my payment was processed again it processed on the 31st day so it was late. I paid XX/XX/XXXX and XX/XX/XXXX payment together and I was told I was current and up to date.

I go to purchase another home utilizing a different company and on my credit report it showed XX/XX/XXXX was late. When I go to dispute it, it was taken off and then moved to XX/XX/XXXX on my credit report. SWBC refuses to write any type of letter saying that my account is in good standing and current when it is. I have nothing late and the one payment that was late would not have been had it been processed the first time and I was notified of the payment portal change. I feel like they are hindering me of a purchasing a new home with a different company.
This call was regarding the issue back in XXXX when I found out that Transunion had a glitch in there system that deleted all inquiries. By law they are suppose to notify customers about reinserting information on there reports and to date I have not received any notification. I call to ask to have my inquiries removed and they were giving me the XXXX degree and I still was n't successful.
I purchased XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/18 for {$2500.00}. I tried to cancel the purchase On multiple occasions, because it was not anything as they described it to be. They refused to cancel. I disputed the charges on XX/XX/18 with my Capital OneCredit Card. I sent all the information they asked for other than a second opinion on letter head. In which I tried to get but everywhere I went they were afraid they would be pulled in to court and were not willing to help other than to advise me to call the SEC & Finra. At this point Im not even sure if what XXXX XXXX XXXX is doing is leagal, as crypto is not regulated yet. ( How are you supposed to get a second opinion if they are the only ones offering this service? ) To make a long story short I finally received a letter from them stating that I would receive a refund of my {$2500.00} on XX/XX/18. I have called and faxed Capital One this information, all I have received is a run around. They stated that it could take up to 3 weeks to post to my account. Well, here I am 10 weeks later with NO REFUND.
JH Portfolio Debt Equiti, XXXX XXXX XXXX XXXX, XXXX, MO XXXX, XXXX will not delete from the credit reporting companies a charged off debt from 16 YEARS AGO that is too old. The old debt agreed that they were settled and no longer viable to me due to medical and low income problems. I want the XXXX debts that the company charged off DELETED from my credit reporting companies due to poor health and income.
On Saturday XXXX/XXXX/2015 there were XXXX ATM transactions made to my SERVE prepaid card, A card issued by some branch of AMERICAN EXPRESS. The transactions were for {$200.00} each for a total of {$400.00}, On XXXX/XXXX/15 I went on-line saw the error and immediately reported it to the XXXX, They sent me a fraud affadavit I filled it out and returned it on the XXXX/XXXX/15. on the same day XXXX/XXXX/15 I got an email stating that the dispute was denied and my account had been closed. It also says I have the right to any documents they may have relied on in making there decision. So I called and said I did not make the transactions and i did not know anything about them. i still have my card and i never gave anyone my card info or my PIN number. They Would not tell me how they came to there decision or give Me the documents they used. They dont even know what bank they are no one there will tell you anything. They will never let you talk to a supervisor, they put me down for a call back and I never got XXXX. 

I feel like they are just trying to strong arm me by telling me there decision is final, I do not think that they did any kind of investigation. and they definitally do not have anyproff that says i am responsible for the transactions Because I know i did not make them. 

Please help i am out {$400.00} plus some fee they charge every time the card gets used at an ATM. 

They are not following the law, they did not prove anything they are just trying to say it is my fault with no proof and that is not fair.
I recently opened up a PayPal account. I received notification shortly after the account was opened saying that my account had been limited because it was associated with other paypal accounts that had negative balances. Upon calling PayPal I informed them that I have never been associated with the accounts that were opened in my name and that I could provide them with documentation to that point. My account limitation was appealed and the appeal was denied stating they had to evidence of identity theft. I asked on numerous occasions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to send in documentation of the idenity theft. Today, XX/XX/XXXX, I was told by PayPal to go to XXXX to upload my documents. Every time I did that I was prompted to sign into the website and then told me account was restricted and at no point was I given an opportunity to upload my documents. I am uploading the original driver 's license with the home address where I lived when the identity theft first happened, along with letters from the bank that caused the identity theft as well as letters from other creditors that have done their own investigations and found me not liable for these fraudulent accounts. I processed these disputes with the other creditors through this consumer protection portal which can be verified as all correspondence done through the portal is saved.
My husband and I submitted an income drive-repayment plan for student loans with Navient. We choose " ( Recommended ) I want my loan holder to place me on the plan with the lowest monthly payment '' in Section 2. We put the application in on XX/XX/XXXX and had not heard anything from them. We call Navient today and she tells us that " we did not fill out an application exactly for PAYE plan. '' She tells us we have to submit an additional paperwork to get on the PAYE plan and that what I filled out was not the right application. They ca n't place us on a plan until we specifically choose one. My husband and I are both lawyers, I think we can read an option that says " I want my loan holder to place me on the plan with the lowest monthly payment. '' Either she did n't know what she was talking about or this is an attempt to prevent people from getting on IDR payment plans. This did not happen to me when I filled out the same exact application from my own loans with XXXX.
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent XXXX XXXX and XXXX and Equifax a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
CRA VIOLATION PAYMENT NEVER LATE / NO KNOWLEDGE OF THE COLLECTIONS ACCOUNT.
I have over XXXX inquires that have been filed for a car loan. Over XXXX of these inquires was done. I have called the finance companies, and they have refused to remove the inquires from the credit report. The credit agencies, XXXX. XXXX, and XXXX have told me that I half to be present in the dealership in order to run my credit. The dispute case that I have is the confirmation no. with XXXX
Received a notice from Coast Professional , Inc. about an alleged student loan debt I owe but this is a hand-me-down dunning notice from a previously disputed debt by another debt collection agency and the school, University of XXXX. The school was previously paid for credits obtained but refused to turn over my transcripts for credits earned so they're essentially holding my credits / degree hostage for classes I didn't take and although I've withdrew from my classes in time, they still charged me and referred my account for collections which is not fair. This has been ongoing for more than ten years,
I have disputed this item with Experian and they have refused to investigate this information as XXXX did and removed this information from their reports previously. This information is damaging in that it is incorrect and I have proof and have provided proof to Experian that this reporting is in violations of FDRA. Yet Experian refuses to conduct a fair and through investigation. 

For your review, I have provided a screen print copy of this particular Student Loan XXXX XXXX XXXX Database for Students. In that it shows that XXXX XXXX Reported to The XXXX Financial Student Aid that this loan was in DEFERMENT as of XXXX XXXX, XXXX through XXXX XXXX, XXXX and therefore Experian is UNFAIRLY and FALSELY reporting that I have disputed more than once with them. I am being reported as past due for the following months of XXXX XXXX, XXXX XXXX & 90 days past due XXXX XXXX when my loan was not in repayment status for that time. 

Additionally, Experian has no history of reporting for 30 days past due, 60 days past due BUT just XXXX reporting of 90 days past due in XXXX XXXX. Additionally, provided for your review is a single page printout of all XXXX XXXX as of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This report shows that XXXX has no negative reporting of XXXX past due- Only Experian was reporting this negative information on the same account. However, in XXXX XXXX Experian updated both XXXX with this damaging and falsely reported information. 

Experian, with negligence, has violated the FCRA as well as other Federal, State and Local consumer protections laws in this matter.