WillisBack/dataset-financial-user-claim huggingface dataset:
I've had my mortgage financed through RPM for 4 years ( it was sold after the first month ). For the first 3 years, I had absolutely no issues. Come XX/XX/2018, everything changed. One of my payments wasnt received for whatever reason. Ive had my payments set-up through my bank ( XXXX ) web bill pay option and only increased the amount once without any other changes. In XX/XX/2018, RPM claimed they never received my XXXX payment ( it is automated to send at the end of the prior month ) and when I told them where the check was sent, they told me that I was sending them to the wrong location. I probably wouldve been evicted a couple years ago if that was true. Through multiple calls to both RPM and XXXX to locate the missing check, it was eventually determined that the payment was missing. Therefore, I put a STOP PAYMENT on the missing check and issued another one. Everything seemed ok, neither company was going to charge me for a late payment or the STOP PAYMENT fee, because this was the first mishap. Then, the next day, I checked my XXXX account ( which uploads pictures of the cashed check ) to see a picture of the check that was claimed to be missing about 4 times ( dated XX/XX/XXXX ). Not only did the check have the prior months date, it had RPMs stamp saying it was received on XX/XX/XXXX. This is the issue that caused months and months of phone calls and rage. They kept saying I was delinquent because one of my payments had a STOP PAYMENT on it, but I had already issued the replacement check for that. RPM opened a case for the investigation and told me they would get back to me, which they didnt. I called NFCU at the end of XXXX and talked to a representative for 40 minutes to confirm that my cash flow was reflective of timely payments and no missed payments. They confirmed. I took a deep breath to prepare myself for the next call. I called and to my surprise they said my account was fine and I wasnt delinquent and all payments are accounted for. I was more than excited, but told myself I would keep a closer eye on this and make sure my payments were cashed. XXXX and XXXX were great or so I thought. They were receiving my checks, but my statements were still reflective of me being behind a month. I called in XXXX to get the online documents reflective of what I was told. Remember, my payments are sent out at the end of the prior month, so when I called RPM around XXXX, they claimed they hadnt received my XXXX payment until XX/XX/XXXX? Maybe XXXX the XXXX works in their mailroom and stashes my payments to make me delinquent? Again, they confirm with that payment, I am not delinquent. This time I ask for a corrected statement. I received a corrected XXXX XXXX. Come XX/XX/XXXX, I get a delinquent notice again. So, I called them again, turns out they have the payment. I was so focused on the amount owed, that I wasnt reading the rest of the statement. Turns out Ive also been charged {$120.00} in late fees, which says to me they purposely hold my payments to collect that late fee. I have not mentally prepared to call and get those funds credited back to me yet. I rather decided it was time for a formal complaint.
I am writing to request several credit inquiries that were unauthorized be removed from my credit report. OnXX/XX/XXXX, I received a copy of my credit report and became aware of 18 inquiries that I did not authorize. They are as follows : 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXXXX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXXXX/XX/XXXX 6. XXXX XXXX  XX/XX/XXXX 7. XXXX XXXX   XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9.XXXX XXXX ( 2 ) XX/XX/XXXX 10.XXXX   XX/XX/XXXX 11.XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX ( 5 ) XX/XX/XXXX 13.XXXX XXXX XX/XX/XXXX14. XXXX XXXX XXXX  XX/XX/XXXX 15. XXXXXX/XX/XXXX16 XXXX XXXX XXXX XX/XX/XXXX 17. XXXX XXXXXX/XX/XXXX 18. XXXX XXXX XX/XX/XXXX
My father, XXXX XXXX passed away in XX/XX/XXXX. My loan was previously at XXXX XXXX XXXX and sold to Carrington Mortgage Services. They changed the ownership back to my deceased father. 

I sent them a copy of my father 's death certificate. I was told I can not speak unless I have executor or small estates affidavit. In the mean time, I contacted XXXX XXXX and was told to fax my birth certificate showing that I am his son along with a password to a specific fax number. I did this. This was back in XX/XX/XXXX.

It is now XX/XX/XXXX. I still can not speak on behalf of the mortgage loan. Furthermore, there is now a financial error in my mortgage. My statement dated XX/XX/XXXX with a payment due date of XX/XX/XXXX shows that I owe XXXX as my regular payment. 

I paid this amount. The statement came dated XX/XX/XXXX with payment due date XX/XX/XXXX. Now they show I am 2 payments behind. They took my payment from LAST MONTH and put it in unapplied funds. I send the correct amount based on the statement that was sent to me, and they are now saying I have over due payment for XX/XX/XXXX Payment plus the XX/XX/XXXX Payment. I am attaching the statements for review. 

I am not allowed to speak with anyone. No one can resolve my problem. I am very, very concerned about this. Furthermore, they are EXTREMELY RUDE and wanted to slam the phone down on us when we tried to call them. The women 's name was XXXX and this is in the Customer Advocate Department. I am attaching all copies of correspondence I received and sent to them. I need help. 
I am waiting to see if I will receive a return call from XXXX XXXX, who was left a message today XX/XX/XXXX to return my call. Also, she failed to follow up on this issue. It was left unresolved and unfinished. 
Thank you
The credit bureaus and XXXX XXXX alike have stated that the entry of this account on my credit report is verified. I beg to differ. In my most recent credit report ( see attached ), the following errors are present : Two different open dates are reflected : Experian reflects XXXX & XXXX  reflects XXXX. 
Experian reflects terms of 1 month ; however, I have never opened an account nor have I ever signed a contract with this company. 
Experian reports that there is negative payment history XXXX, XXXX, and XXXX of 2018 ; yet XXXX  reports no payment history. 

These inaccuracies alone are grounds for this entry to be removed. The FCRA states that entries reflected on my credit report should be 100 % accurate ; these entries are NOT. Additionally, XXXX NEVER sent a dunning letter to inform me that they were attempting to collect on this alleged debt. By not doing so, this forfeited my right to dispute the validity of this account -- -of which is my consumer right. 

Delete this entry immediately from my credit reports.
I asked that my PMI be dropped. I even opened a case with their escalations department. All they are willing to do for me is appraise the house so that I can manually remove PMI. My loan was at 78 % in XX/XX/2018. It should have automatically fell off then. I dont feel like I should have to pay {$450.00} for an appraisal, I feel like they owe me {$450.00} in back PMI payments. 
My account is with Suntrust bank. Loan was for XXXX purchase price. It is at XXXX now. I'm still paying $ XXXX/m for PMI.
NATIOSTAR MORTAGE IS REPORTING FORECLOSURE AND JUDGEMENT ON MY EXPERIAN CREDIT REPORT SINCE XXXX.
A person by the name of XXXX XXXX called my work phone, which is not a direct contact line. When I returned the call they were asking me personal identity questions while refusing to identify why they were calling or who they were calling on behalf of. They were rude, and in the end threatened me and told me I had to make arrangements today to pay today. I had no prior contact from this agency called XXXX. I also had not heard of the company they claimed to have received my file from, Velocity Investments LLC. When I responded that I was at work and could not take the time to handle this phone call, but would look for something from them in the mail, " XXXX XXXX '' told me I better call back on a break today. Again I repeated that I did not have the time to deal with the call today and again I was told I better call on a break. Then she said she would write in my file that I said I would call back today, I told her I did not say that, but she again said I had to call back on a break today.
Citi Bank has called me a minimum of 3 times ( sometimes up to XXXX ) every day since XXXX XXXX. I realize that I do have an outstanding debt, but lost my last job after a medical issue and started another in the beginning of XXXX. In the time that I have been awaiting my XXXX paycheck ( so that I can pay them ) I have received calls every single day while I try to go about my life and do well in a new profession. 
I called them and was told that it is perfectly legal for them to call me that frequently when I owe them money, but I do not believe that is the case.
I asked to close this account on XX/XX/17 while keeping other Thankyou Points cards open. I just logged in and found that XXXX points were forfeited due to this closure since points expire 60 days after closure. This was never disclosed to me at any point during the call and I certainly wouldn't have closed the account if this was going to happen. This is not a policy with any other card issuer if you keep at least one account that earns the same type of points open. I expect that these be reinstated or I will transfer all my business to XXXX XXXX, who doesn't play games like this with their XXXX XXXX. The card was an XXXX XXXX XXXX XXXX XXXX card ending in XXXX.
MB Financial Bank has sent us several Closing Disclosures with many errors involving closing costs and amount of the loan ( VA ). We contacted our Loan Officer and asked for corrections. She has said, " Oh do n't worry about it! '' This has gone back and forth several times, mainly because MB Financial & the Loan Officer did not want to rewrite the loan. They finally conceded that there was misappropriation of funds and now rewriting the loan. We have yet to see the Closing Disclosure and even so, we were told the closing on the home will be this Friday, XXXX XXXX, 2016. 
We have lost trust in the Loan Officer and MB Financial. We also feel pressured by the Loan Officer, the Realtor and MB Financial. [ We were told that if we opened the email ( secure document ) from MB Financial, we were giving consent for the Closing Disclosure. ] Can you help us look at the Closing Disclosure without giving our consent? 
We feel we would like to use another financial institution and have already started this process. We do not want to use MB Financial due to all these problems. 
The Loan Officer is not happy and neither the Realtor ( whom recommended the Loan Officer ). The Seller ( s ) are unhappy due to this delay. It is a mess, but not our fault! 
Thank you, XXXX
My husband and I had a mortgage loan with XXXX and a second mortgage with XXXX Mortgage. We were in our home ten years and was never late on a payment, not once. I was laid off my job of XXXX years and asked over an over again to refinance. I was told no by XXXX. During this time the payment went up over XXXX dollars because of the type of loan. That is one of the reasons we wanted to refinance the loan before this happened. We were also told you have never missed a payment so they are not going to help you refinance. We used all of our savings to keep things current. We tried next to do a modification and was told the same thing. Once they realized we were going ahead with the modification the loan was sold to SLS, than the problems really began. I started back working at half the salary so it was hard catching up. While processing the modification SLS continued to say they either did not receive documents or they needed them again. This happed every time we would send the documentation, they would say it was received to turn around and say they did not have it. This went on for over a year before they finally said no to the modification. We decided to do a short sell on the home. We have had XXXX offers. XXXX was XXXX short of what they wanted so they said no. The second was a cash offer for more than what they asked. XXXX would not agree to the short sale and kept things in limbo, meanwhile they stated they did not care if we foreclosed on the home or filed bankruptcy. The couple buying the home needed to close soon because she had XXXX XXXX. XXXX would not agree with any option that was put out there so the couple found another home. The next day XXXX called and said they would agree after we made a complaint but it was to late. A week later we received a third offer for over the amount asked. The persons buying the home ask if they can close as soon as possible ( within 45 days ) because they are closing on their home. Now SLS continues to drag and now decided they want more money. How can you keep doing this. It is as if they do n't want to really sell the home. This has gone on now for a year and a half and is affecting my health. They have not returned my calls and know that the family wants to close soon. I am not sure what to do next. We had excellent credit and always say our bills. We would like to sell the home so that we can move on. We do not want it to go the house to go into foreclosure. I will be looking for a lawyer tomorrow.
Until XX/XX/XXXX, I was not aware that a loan in the amount of {$50000.00}, had been taken out in my name XX/XX/XXXX, by a Branch Banking and Trust ( BB & T ) Company employee. I never entered into any BB & T Branch to sign loan documents, however, my forged signature is on loan documents along with a witness signature atesting to witnessing me sign this document. The loan was secure by a property that I did not own, but lived in. It is my understanding that the loan was never processed correctly within BB & T ( i.e. the loan was not tied to the deed of the real estate property for which it was secured by ). 
When I was contacted in XX/XX/XXXX, about repaying the loans in default, I tried to tell the collections person that I did not take out this loan, however they did not want to hear it. It was difficult to speak to anyone within BB & T because each time I called they forwarded me to the collections people, who did not want to hear anything about this fraud or provide contact to anyone that I could speak to. I sent written acknowledgement to the collections company informing them of the fraud in the loan. I go a response indicating that they found no fraud and that I needed to repay the loan. I researched and found a number to contact a person inside of BB & T who I called and explained the issued to her. She was not aware that the property that the loan was secured by had been sold without BB & T knowledge, and could not explain to me why BB & T had not secure the loan repayment prior at the sale since the loan was secured by that property. Although I provided this information, she still could not assist me with anything. In XXXX, I contacted the BB & T collections attorney and provided written response that there was an error and the loan was fraud, the response received indicated that they found no fraud with the loan and that I needed to repay or they world take me to court. BB & T and it 's collection attorney XXXX, XXXX, XXXX XXXX, XXXX was granted a judgement against me in XX/XX/XXXX. Since than, BB & T has made my like XXXX, they garnished my wages taking XXXX % of the earning every paycheck for the since XX/XX/XXXX until now that the loan has been paid off. At the time I had just become a single mother, so it has been very difficult. Please investigate.
USBank closed my XXXX credit card without warning. On talking to a USBank representative, they informed me that card closures for any reason meant that any rewards points ( already earned or pending ) in my account were forfeit. Prior to this, I received an email from USBank targeting me for extra points for spending more money in the holiday season. Also, their own literature touts spending {$10.00} 's of thousands of dollars in order to get the annual fee waived, yet another inducement to spend more money on their card. For the record, I had made only XXXX purchases in the month, had not exceeded my credit limit, nor had any late payments. 
I believe their marketing and policies to be unfair as it deceptively encourages consumers to spend to earn rewards points and that any and all points may be seized at USBank 's whims. Since USBank refuses to allow me to redeem the points that I earned according to their own terms & conditions and I was recently made aware of the CFPB, I am writing to seek relief.
I canceled my services with XXXX XXXX  is XXXX of XXXX. I was informed that I will receive a bill for the remainder of the month and to provide them with an address to send the final bill to. Once the bill was sent, I received an email from a worker at XXXX XXXX stating that the bill was returned and to provide another address to send the bill to. I didn't deem it necessary because I was and have always paid the bill online or by telephone. 

To my knowledge, my final bill was paid at the close of XXXX in XXXX. I believed this to be true because no one from XXXX XXXX reached out to me via email or telephone to inform me that my bill had an outstanding amount in the total of {$65.00} that was due. 

Months passed and I receive notification from XXXX XXXX informing me that I had a derogatory mark on my credit report issued from Collection Services of Athens on behalf of XXXX XXXX in XXXX of XXXX. 

Neith XXXX XXXX nor Collection Services of Athens informed me that my account was going to or currently in collections. 

I had a hard time giving proof that my bill was paid because the financial institution that was used to pay XXXX XXXX is out of state and when it came to getting statements delivered mail was mishandled and delivered. 

I decided to take a loss, and reach out to Collection Services of Athens and provide them with a 'Pay for Delete ' letter explaining that I would be willing to pay them the amount, {$65.00}, and in return, they will remove that derogatory remark from my credit report. 

Collection Services of Athens has not reached out to me since the letter was sent on XX/XX/XXXX.
I have disputed the information on my report on several occasions. In XXXX, I filed a Chapter XXXX bankruptcy that was dismissed in XXXX. Some of my old student loans were included in that Chapter XXXX bankruptcy petition that was dismissed by the courts. Currently these loans are still listed on my credit file as adverse information that is still in bankruptcy and that is incorrect. As of XXXX, all of my student loans were consolidated with FED LOANS. I 've disputed this information several times with Experian as well as the other XXXX credit bureaus. Experian refuses to change the status of these student loans and continue to let these loans reflect as negative information when in fact they are not negative. These loans have always been deferred and have never received a late payment or been in default. Experian claims they are investigating these items, but it 's not possible for these items to be investigating these items and they continually are reporting these items inaccurate.
I purchased a prepaid visa from Check Into Cash ( aka XXXX XXXX XXXX ) they sold me a card for {$6.00} and it was due to expire in 45 days. I was told they were going to send me a card with my name on it, twice. After not receiving the cards and my transactions being declined at a charge for declining it was determined the lady that sold me the card put in the wrong zip code. I asked they resend a card since I never rec 'd the personalized card in the mail. I never rec 'd any cards in the mail. I went to the store, Check Into Cash in XXXX CA and asked that they give me a new unexpired card, transfer my funds since the card was expired and I could no longer have access to my money. I also loaded {$500.00} cash onto what was supposed to be the new card. The lady took my card and loaded it on an expired card and tried to send me on my way. When I asked why she would do that she said I would have to purchase a new card and call and have the money transfered. I told her I wanted my cash back and I WAS NOT going to pay for a new card when I was promised a personalized card in the mail. I have no access now to view any transactions, and my funds are disappearing. I can not log in and everytime I call the XXXX # and push option 2 for english I get hung up on. I am out over {$580.00} and I can not get answers to where my money went. Also, while I was in trying to get this all sorted out, every person that walked in had the same complaint.
I really need help. Experian has posted fraudulent accounts on my credit report and they 're refusing to delete it. I 've contacted the local police department and reported the incident to them. They gave me an identity theft report and I submitted it to Experian. Experian did n't remove the accounts or the fraudulent addresses. I am at my wits end and I do n't know what to do. How can thief open accounts in my name and I am still held liable for this? I need the government to step in and do something about this. The accounts are XXXX.
discover card : sent bill made the payments, discover card : months down the road prints wrong address on bill, still made automatic, payments discover card : raises interest rate bill payments goes up, all notification letters go to wrong address, automatic payments still continuing.

discover card : fees go wild unknown to me. they call after months.

discover card : corrects address suppose to clear up fees.

Discover card every month clears up fees if I call, five months go by and continuation of late fees go on.

Discover card now says nothing more they can do I have to pay them all the extra fees which added up five months worth.
A bank of America account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I was contacted about a balance I owed on this account and paid it. I tried opening a checking account in XX/XX/XXXX and was denied due to being in XXXX XXXX. I again contacted BOA and informed them that I paid it, I even sent records. I also had a transcript from XXXX XXXX requested and they are listed. In XX/XX/XXXX, I am still being denied a checking account due to this issue. 1 it has been paid, years ago and not updated. 2. It has been over 5 years and this definitely should have been removed by now. This is the second report I requested from XXXX XXXX and they both have 2 different report dates listed.
CitiMortgage is sending harassing debt collection notices for a loan that was closed in 2013. In 2013 CitiMortgage agreed to a deed in lieu settlement for a loan. The agreement was finalized, agreed by both CitiMortgage 's attorneys and our attorney, and recorded in the Register of Deeds in XXXX County, NC ( where the property is located ). This closing documentation was signed by appropriate representatives from CitiMortgage. The deed in lieu contained wording that no further fees would be sought for collection upon closure. CitiMortgage then placed the property for sale. We believe CitiMortgage is pursuing us for debt/penalties incurred by them from XXXX, due to an error or oversight on their behalf that was brought to their attention by XXXX. We do not believe we should be responsible for this debt as all documentation and title were appropriate and clear at time of closure in 2013.
I get a collection account under my name with Hunter Warfield Inc but I do not know this company. I want this collection to stop calling me and harassing me on the phone and I want this debt to be removed immediately from my credit report.