WillisBack/dataset-financial-user-claim huggingface dataset:
I had a mortgage with XXXX XXXX XXXX from XXXX XXXX through XXXX XXXX. XX/XX/XXXX, I sent in my mortgage payment to XXXX and they said it was {$5.00} short so they sent it back. I never received it. The confirmed I did n't receive it and never cashed it as they sent it to a " holding '' department that does n't exist on my end. Since that day and prior, I had been making mortgage payments on time and had no idea they starting docking me 30 days late since that payment. XX/XX/XXXX they sold my mortgage to Nationstar. I did n't receive any information from XXXX regarding the sale and for XX/XX/XXXX and XX/XX/XXXX, I paid XXXX. XX/XX/XXXX I finally realized my payments should be going to Nationstar so I made my first payment to them that month. I have documentation of proof of payment to both institutions dating back to XX/XX/XXXX. Nationstar is docking me 30 days late for the months of XX/XX/XXXX-XX/XX/XXXX because of the payment that was " sent back to me ' from XXXX. Their explanation for the lates are they purchased the mortgage from XXXX and purchased all of its history too. Well not knowing my payment was sent back, I had no idea this was taking place. I am now not able to get a mortgage since I have all those 30 day lates and to top it off, they added a 60 day late in XXXX of XXXX. I have disputed this with the institutions and their comments back are " our records are correct and no adjustments are warranted ''. I then submitted all my documentation to the XXXX bureaus and based off their investigation gave me credit ( removed XXXX 30 day lates ) for XX/XX/XXXX and XX/XX/XXXX? How and why just these two months i have no idea. I showed proof of payment for the last 2.5 years. Nationstar has me 30 day late XX/XX/XXXX, 60 day late XX/XX/XXXX and 30 day late in XXXX and XXXX in XXXX? How can this make sense to anyone? I have tried to contact nationstar for the last 5 months and have got NO help in regards to explanation other than they purchased XXXX history. Every time I call I get a different person who has no idea why I am being docked late. I was given the name of " a manager '' I needed to EMAIL all of my documentation to and would get a response in 30 days. That was over 45 days ago. I have send numerous emails to this individual in the course of 45 days and have gotten ZERO feedback. I need some serious help with this issue as it 's preventing me from getting a new mortgage.
The debt collector was not forthcoming in establishing the reason for the call and claimed to be recording the call for training purposes but the nature of the questions and desired answers were very suspicious. They seemed to want to corner me into saying certain phrases and words or as opposed to an organic question and answer conversation. The methods were similar to unorthodox methods used by fraudulent debt collection companies in the past that recorded strategic parts of a call to construct false narratives and claims in order to pursue unnecessary and exaggerated ( and often illegal ) actions. I told the debt collector that I had just returned to the United States and had reached out to the original company ( XXXX  ) earlier in the year to handle the debt. They were not satisfied with that answer, became insistent that I was stalling and I hung up.
Numerous calls to my cell phone ( which number they should n't have. ) Debt is long past statute of limitations ( 2009 ) Company engages in caller ID " spoofing '' Unfortunately, I can not transfer call logs from my cell phone.
I requested a XXXX file on ne and I found a name tgat has never been mine and an address. 

I calleds XXXX  to correct these errors but no resolution.
I found a complaint stating that the merchandise received wasn't what paid for and also noted that I was promised a refund. XXXX then sent information saying the item was delivered to CITI Bank and I noted that this isn't what I was disputed I had ordered glasses and received broken glass. CITI told me that there was nothing they can do since the tracking showed it was delivered then I stated and provided proof that I was promised a refund which is another way to dispute the transaction. CITI stated that XXXX said I did recieve the refund but that it didn't go back to my card and asked had I received it another way ; I replyed stating that the notice showed that it was suppose to go back to my orginal form of payment. CITI Replied on XX/XX/2018 that there was nothing that they could do about XXXX stealing my funds. I was told I could only file a damage dispute after the dispute closed but when it closed on XX/XX/2018 I was told I had 60 days to file the damage dispute.
My car was totaled in an accident. My insurance company paid off all of the loan, or what I thought was the entirety of the loan, but Capital One is claiming there 's still a small balance. I was unaware of the discrepancy. The car was sold as salvage titled and registered to another person.  Capital  One reported my car as repossessed or in the repossession process which is now preventing me from getting another car loan. How was the car titled and registered to another person if Capital One is still the registered lien holder and there 's still a balance due? How can Capital One repossess a vehical over a balance less than the original cap payment amount? I need the repossession removed from my credit immediately. This is affecting my lively hood as I am unable to get a car to go to work
I dispute XXXX XXXX XXXX account it was purchase from XXXX account # XXXX credit report show last payment XXXX. XXXX XXXX XXXX claim last payment XXXX, in reality last payment was XXXX. Because more than 7 years from last activities XXXX and XXXX after investigation remove XXXX account # XXXX and XXXX XXXX XXXX account # XXXX from report. Equifax remove only XXXX but refuse to remove XXXX. Please help.
I was responding to UAC regarding an email that I received in XX/XX/XXXX regarding a consent order sent to me by email from the CFPB about this company reporting incorrectly to the credit bureaus. I had a lot of problems with them when I was a customer so naturally I wanted to check to make sure my credit reflected correct information. I was advised if already pulled credit report from annual credit report.com and still wanted a copy that we were entitled to one from XXXX and could request it by calling UAC. I did that in on XXXX/XXXX/XXXX and spoke with a woman who had no idea what was going on but took my request to the credit department and was told would mail it and they took my new address. That was two months ago and I have yet to receive any credit report from them. I then called UAC today XXXX/XXXX/XXXX and spoke to a XXXX XXXX who was incredibly rude he must have interrupted me 5 times during the conversation and was very argumentative. He had the nerve to tell me that it did n't really apply to me because I have n't done business with them in two years when the email I got about it in XX/XX/XXXX which provided additional information specifically said that it involved accounts that were before XX/XX/XXXX so it definatly concerned me. Then when I basically told him to stop arguing with me and put in my request he took down my new address and married name and said would request my credit report. Then a little while later he called me back to tell me that I was wrong and that they are not sending customer 's credit reports but that is what it says in both emails that I received I was treated with incredible rudeness by this customer service representative ony to have him back off multiple times and say he 's just trying to help me I want to know that my information is correct and I want it taken care of as stated by UAC I have not been a customer of theirs for awhile and I would never be again. Every conversation I ever had with those people the whole time I had a loan was disgusting rudeness I was given a loan modification once to help me out and they failed to let me know at the modifcatin that they were raising my interest rate I think they raised it to like a disgusting 24 or 29 % I had a terrible experience with this company and to call back later with a fully paid off account only to be treated like XXXX again is truly annoying.
On XX/XX/XXXX I sent out a certified letter to Midland Credit Management which was recieved by their office on XX/XX/XXXX notifying them of an inaccuracy on my credit report their response to me they sent my letter & all my documents back to me thats it no letter explaining why. I attached all my supporting documents showing where they are reporting to XXXX & XXXX a reporting date of XX/XX/XXXX & a report date of XXXX for XXXX I have a letter from Midland stating that Midland became the servicer of this account on XX/XX/XXXX so reporting a date of XX/XX/XXXX is in violation of the FCRA which states : " The FCRA is the act that regulates the collection if credit information and access to your credit report. It was passed in XX/XX/XXXX to ensure fairness, Accuracy and privacy of the personal information contained in the files of the credit reporting agencies I did offer a settlement with them due to the inaccuracy to clear this matter up since its ruining my credit reputation & have it removed but they gave no response just sent my info back to me
I filed a case with CFPB on XXXX/XXXX/15 ( case number XXXX ) with Mariner Finance. The business stated in the complaint " Mariner Finance can confirm that XXXX XXXX 's account is paid in full and his paid document will be sent to him. '' I have received XXXX bills from this company stating money is still owed and to mail payment. I checked my credit reports and they are reporting to XXXX that I owe {$180.00} and they have been charging monthly late fees of {$30.00} per month. As promised in the prior case, they never sent me any documentation nor have I done any further business with this company yet they continue to charge me a monthly late fee and the first complaint stated they waived the final {$24.00} due as a good faith gesture so I do not understand where this {$180.00} came from when they stated account was closed and no money was owed.
i Have disputed the information on payment history. I have also contacted the creditor who stated the information was submitted to be corrected. My credit profile still has not updated the file and corrected the past due payments showing on my credit file. I have asked for a copy of the verification method used to validate the accuracy of their investigation and received nothing but a copy of my credit report stating the the information was verified and not changed. I've provided my billing statements from the months in question as PROOF to not being late for those months and actually having the payments made IN ADVANCE for the months marked late on my credit profile, only to still receive the same results. This is creating a drop in my credit profile and I need this resolved. All 3 bureaus seem to be NOT correcting the reporting, only deleting the payment history all together or stating to me that the payment history is accurate. I don't want my payment history deleted, I want my excellent payment history updated and reporting accurate information.
Hello!   On  XXXX   XXXX   XXXX , I was on my way home from   XXXX   XXXX   XXXX  . On the way, I had a  XXXX  attack. I called  XXXX  for an ambulance, which was an emergency call. The ambulance (   XXXX   XXXX   XXXX   XXXX    XXXX   )  took me to  XXXX   XXXX   XXXX   XXXX . I used my insurance  XXXX   XXXX   XXXX   XXXX  Illinois  XXXX   XXXX   XXXX . In the  XXXX   XXXX , the nurse took some analysis and told me to wait. I was waiting  for 5 h ours and no one came to see me or check up on me. While waiting, the pain went down, so I left the hospital and kept on driving home.   In  XXXX   XXXX , I received a bill from Creditors Bureau Associates  XXXX    XXXX   ( Collection Division ) of a sum of {$590.00}. I called  XXXX  customer service and they told me that if there was an  XXXX  in another state, my insurance will pay for all the bills/expenses.   However, nothing was paid off. For 2 months I called  XXXX  customer service,  XXXX   XXXX   XXXX  (  XXXX  ; the company is  Billing Agency  of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , and  Creditors Bureau.  I talked with collector  XXXX . Her phone number is  XXXX . At first, there was an error found in the  Patient Care Report ; instead of the home address I currently live in, th ey put my Driver License address. The address issue was fixed later on.   Some time after,  XXXX  customer service stated that they didnt receive any bill from  XXXX   XXXX   XXXX   XXXX   XXXX  or  XXXX . I again called  XXXX  and  Creditors Bureau.  The collector and I checked all the information and it was all correct. She told me that  XXXX  paid half of the overall amount/expense and that the {$590.00} was the rest that has to be paid off.   A fter my 3rd c all to  XXXX  customer service at the end of  XXXX , an  XXXX  insurance agent stated that I mustnt call any of the involved companies because it violates my rights. The agent said to let  XXXX   XXXX ,  XXXX  and  Creditors Bureau fi gure it out on their own.   On  XXXX   XXXX ,  XXXX , I have sent a complaint to those companies by Certified Priority mail. In  XXXX ,  XXXX , I got a letter from  XXXX  that they will review my grievance.   At the beginning of  XXXX , someone called me from  XXXX  and said that they ca n't help me with anything because 6 months already passed since I went to the hospital.   On  XXXX   XXXX ,  XXXX , and today  XXXX   XXXX ,  XXXX , I got a calls from the collector,  XXXX , and she notified me that the bill was still not paid off to this day. The collector told me that if it doesnt get paid off very soon, they will ruin my Credit History.   Please, help me get this done and over with. I advised many times to make a conference call between  XXXX ,  XXXX  and  Creditors Bureau,  but they all keep denying my offer. I am sick and tired of seeming like I am the coward around here. I do not want to pay for this bill when I have an insurance. I can not afford to pay for it at all.
I have filed several disputes to investigate account. The company keep verified the account in less than one day  and not properly investigating it. I have explain to the credit reporting company that the XXXX XXXX is paid off. They refuse to update my account to paid in full.
I am the co-signer on my son 's student loan. He is currently in the process of   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   with the  XXXX   XXXX . His statement was sent to me with a coversheet stating that his mail is undeliverable and that they updated his account with my address. When I attempted to call and have his address updated, I was told that they would not update the address on his account without speaking to him. This makes absolutely no sense as they changed it to mine with out his authorization. I advised that he is currently training for his  XXXX  to the  XXXX   XXXX . I was told it did not matter.
US bank credit card has been trying to collect {$100.00} debt on a fraudulent transaction that I disputed 5 months ago. As a result of the fraud, I closed my account in XXXX 2017 and paid off the balance, now 5 months later, US bank suddenly said I owe them {$100.00} after closing my account on a {$0.00} balance.
Please accept as addendum to XXXX # XXXX. I previously submitted a complaint regarding my payment history over the life of an auto loan with Exeter Finance Corp. The complaint was submitted to Exeter Finance by CFPB on XX/XX/XXXX. The substance of my complaint regards conversations with Exeter Finance XXXX employees providing me inaccurate information regarding the loan - particularly on XXXX occasions I applied to defer XXXX payment each to the end of the loan however Exeter XXXX 's state each Deferment represented XXXX payments each. When provided the Deferment information I disagreed with the info and both Exeter XXXX 's then stated my account was past due for the previous or XXXX previous months which is also inaccurate - the XXXX 's both confirmed payments were paid as agreed for the previous and preceding month for each Deferment but continued to insist their information was valid by stating the account was past due for some other month which was also incorrect. 
In addition when I purchased and signed the XXXX in XX/XX/XXXX the financing arrangements were made by the dealership and I was quoted an interest rate of 20.99 %. The cost of the vehicle I purchased was {$12000.00} - the amount financed for the vehicle was {$10000.00} - I paid {$500.00} down in cash and traded in a XXXX XXXX XXXX in good condition. I was not told by the dealership the value of my trade-in. As of XX/XX/XXXX I have paid XXXX total payments. At the end of the loan I will have paid {$15000.00} and with the final XXXX ( XXXX ) payments due to pay the loan in full the interest rate is actually 50 % - not 20.99 % as stated in the XXXX On XX/XX/XXXX I spoke with an off-shore XXXX XXXX who stated if a payment is " late '' the full payment is applied to " interest '' - not the loan itself which does NOT explain a 50 % interest rate charged from XX/XX/XXXX until the date of the first late payment on XX/XX/XXXX. 
In addition both the Dealer and Exeter Finance Corp were aware the vehicle - XX/XX/XXXX XXXX XXXX - was a salvage title vehicle or ineligible for resale due to a malfunction of the vehicle 's passenger side airbag that was the subject of a XXXX recall in XX/XX/XXXX. I was not informed of the serious nature of the vehicle 's airbag status because I have never been provided title to the vehicle.
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX I have never done business with these companies.
XXXX has put me in collection and my debt was paid. I was not told I was going into collection as I was not aware of this at all. When I received the paper stating that I was in collections is when I paid the balance of {$430.00}. This was disputed and was suppose to be taken off my credit report as it is not. I just recently purchased a vehicle and it effected my monthly payment as it shows I am in collections. When I had fought this several years ago I was told it would be off and again it is n't and it is effecting anything I need to do in the future. I am not happy with this as XXXX is a big company and was paid with no problem. The collection name on my credit report is called GC Services on XXXX/XXXX/13. I would like this to come off my credit report so it does not effect me purchasing a house in the future, as stated it already has effected me purchasing a vehicle. I do not have any other debt on my accout as I pay everything on time and do not have anything out standing.
This is the 5th time this has happened. 
About once or twice a year for the past several years, Key Bank, with whom I have a home equity line of credit ( HELOC ) fails to send me a monthly statement. It just never arrives. Twice, I noticed before my payment was due. I called Key Bank and asked them to send me a statement ( after making sure no one else was charging anything on my HELOC ) and I made the payment over the phone or at a nearby branch. 2 other times, I did n't notice and did n't pay the bill until Key Bank notified me that my payment was late ( at which point I IMMEDIATELY paid and they waived their late fee ). Until today. Today, a woman named XXXX at the XXXX XXXX, WA branch called to inform me they would not waive the late fee. When I asked why ( since I was not tardy ... ..I 'd never received the bill! ), she rudely stated that they would n't and there was no point in discussing it further. I pay my bills on time. The only occasion in several years of having this HELOC that I did not was when Key Bank failed to send me a bill / statement. It seems inappropriate to charge me a late fee when they never sent the bill to begin with. Because this has happened on several occasions to me, I imagine it is happening to hundreds or thousands of others as well. Key Bank is likely raking in a fortune in late fee 's that they 've had a hand in creating. I would like the CFPB to investigate this further, and find out if this is a pattern designed to profit on consumers in an unethical manner.
My complaint is about " Direct Express ''. They are a rip off company they steal money through their illegal fees AND it is almost impossible to get through to someone. Either the phone system wo n't let you in by saying call volume is high, & to call back. Or finally - when you get through - the phone call is dropped while transferring the call to customer service. Then, IF one does get through via the phone, the customer service reps do n't do what they say they are going to do. When I finally get through to someone then I GET A DIFFERENT STORY than from the previous representative. ( If you want all the times I called let me know. ) Ever since I received my first social security dispersal in XX/XX/XXXX THEY HAVE CONTINUALLY STOLEN MONEY from me by charging me illegal fees for the ATM service. Stealing is against the law for me - why not for Direct Express? 
I was told in XX/XX/XXXX by someone in one their phone call center that I was to have XXXX FREE ATM CHARGE monthly from a Co-America bank. But they continue to illicitly charged me {$.00} when I use the XXXX ATM. In XXXX they reversed some of their illegal charges and now I found out they have done it again - for at least 10 months. I called AGAIN on XXXX/XXXX/XXXX. It was necessary to spend over 55 minutes on the phone. At the end of the long & frustrating ordeal I was told I would have an answer in 5 business days. That did n't happen so I called several times ON SEVERAL DAYS beginning XXXX/XXXX/XXXX. Direct Express is very difficult to get through to. On XXXX/XXXX/XXXX " XXXX '' told me that my " request for the refund of the wrongly charged ATM fees was denied and there was no explanation ''. I paid my money into the social security tax system many, many years ago and I DO N'T LIKE HAVING TO PAY TO GET BACK MY OWN XXXX MONEY FROM DIRECT EXPRESS OR CO-AMERICA BANK. THIS IS WRONG, WRONG WRONG.
On XX/XX/2018, an erroneous debt appeared on my credit file in the amount of {$120.00} for XXXX XXXX. 

I have attempted to dispute this debt with no response from Credit Management LP, and when I contacted XXXX I was told there was no history of any account with a balance. 

XXXX isn't even a cable provider where I live!
I am receiving non stop robo calls leaving messages on my cell phone and now work phone. My work phone is a XXXX phone so it also records all the calls/messages and forwards them to a shared email. They have been asked to stop and simply mail me the bill. But instead of doing as asked they continue to call my place of employment nonstop. I am considering contacting our legal department as these are medical bills so they can stop trying to intimidate and threaten me in this manner.