WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo is refusing to apply the federal disaster declaration to my home mortgage. They are also refusing to send me a complete break down of my Mortgage, I made a payment of {$1500.00} that they received and cashed on XX-XX-2017 to bring my HARP loan current. They are refusing to actually post the payment and are holding it in un-applied funds. I paid there late fee and they still refuse to post this so they can XXXX more interest and fees out of hard working american. as they have never answered any of my complaint to CFPB complaints made in XX/XX/XXXX, XX/XX/XXXX, XXXX 2017 as well as the one made two weeks ago. Other than to ask the CFPB for more time to respond. they are trying to blame investor which is total XXXX as I owe a small piece for these financial mortgage instrument and I have not been asked if I want to comply with the Hurricane IRMA Federal Disaster declaration.Had i been asked I would have said yes. These people are low life worthless pond XXXX and deserve to been fined the maximum the law allows. They refuse to call me on an unrecorded line even though i have rep [ eatedly advised them to call me from an unrecorded line. Any recording they might have of my voice were made without consent as Florida requires written consent
A company by the name of Harris, Klein Associates, Inc called me stating that a flight that I took back in XXXX 2017 with XXXX was not valid because the credit card was declined. They told me I owed more than double the cost of the flight. I could n't find much information regarding the company, only that they had a website but no reviews and they are not accredited with BBB. They are saying that me and my girlfriend owe {$460.00} each for flights that were only {$600.00} total to begin with. I do n't feel this is valid but wanted to confirm this is valid. 

The company is located at XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX or ( XXXX ) XXXX
On XX/XX/XXXX a bona fide contract in the amount of {$500000.00}, HUD letter, buyers mortgage approval letter and the property inspection report was filed with XXXX XXXX XXXX the loan servicer The servicer failed to respond to repeated calls and emails for 10 days. On XX/XX/XXXX the servicer sent a letter denying the short sale. The current loan balance is {$490000.00} as of XX/XX/XXXX. The servicer forwarded an email to their legal counsel on XX/XX/XXXX instructing them not to adjourn the sheriff sale scheduled for XX/XX/XXXX. The sale closing is scheduled for XX/XX/XXXX. The servicer stated that the pending sale.is rejected as of XX/XX/XXXX. The reason for the rejection stated by the servicer was that the sale was required to be 37 days from the date of the sheriff sale. I contend that the servicer rejected the sale because they wished to inflate their fees and costs and legal fees. Further the price obtained at sheriff sale will no doubt be less than the private sale thus increasing the amount of the defiency and thereby increasing the potential for a greater deficiency judgement against the borrower. I have emailed the servicer and demanded a copy of all communications written or recorded to and from the borrower, proof of their authorization to act as agent, as well as copies of internal communications to legal counsel, the complete file, the basis in law that provides the 37 day period and a request for an adjourment of the sheriff sale as to facilitate the sale of the property. I am filing this complaint in good faith and as truthful testimony. Sincerely, XXXX XXXX XXXX
I recently applied for a personal loan with a bank I have done business for many years. 
My load approval was rejected based on information contained within the credit report from Equifax. Reason stated serious delinquency, time since delinquency is too recent. 
The bank gave me the agency that reported this information. I contacted XXXX XXXX XXXX company an ask to speak to a supervisor about the information reported. I was informedmy payments were not submitted on the due date an were reported as 15 -30 days late for several months. After reviewing my account they determined my payments were made in advance of the due date but within the same month and therefore when the due date arrived it was reported as nothing received. It is not that payments were not received in advance of the due date, but the posting did not show early payments in theresystem. I ask if they could contact the credit bureau and have the delinquency statement removed. They told me nothing can be done. My complaint is I have been charged withnumerous delinquent payments each month when in fact I not only paid the amount due each month I paid more than the minimum and long before the due date. They do not dispute this statement and thanked me for being a good customer, but there is nothing they can due to change this reporting. I believe this not only to be unfair reporting, but has greatly affected my overall credit score reducing my score very low. I want them to contact the agency and remove all this information.
I am not the one they are looking for and they still call two to four time a week. The person has not live here for about three to four years ago they told by landlord to move for not paying rent..I told them not to call again I am XXXX years old
I have had problems with some merchants in which I had to file a claim with Paypal. Paypal refuses to comply with their own policy and federal law regarding my rights to dispute a charge. Cases are being ignored and never closed and I am receiving harassing emails from the company threating to close my account and take away my legal rights to file a dispute against a merchant. I am now required to fraudulently pay for all purchases regardless of never recieving the service or merchandise I paid for.
On XXXX XXXX l received a alert message from XXXX XXXX monitoring service that XXXX XXXX in XXXX, ,New Jersey pulled my credit for a VA loan modification. As l spoke with XXXX XXXX VA loan carrier First Continental Mortgage in XXXX, New Jersey. First Continental and XXXX XXXX representative has stated to me on around XXXX XXXX that l was n't eligible for a VA loan modification, because of my Bankruptcy Chapter XXXX and I already had a loan modification finalized and Approved on XXXX XXXX. I filed for bankruptcy chapter XXXX in XXXX, Texas on XXXX XXXX and it was Discharged on XXXX XXXX XXXX by Federal Judge. Why did XXXX XXXX and First Continental pulled my credit and placed a hard inquiries with XXXX XXXX XXXX XXXX? As of XXXX XXXX XXXX my credit scores dropped and my credit is damaged. My credit scores was around XXXX, now there are XXXX because of hard inquiry on XXXX XXXX. This is a Discrimination and Retaliation against me as a XXXX.American and Military Veteran. I am XXXX XXXX and Retired.
issue started XXXX due to work unemployment ..since then have been involved with multiple servicers and banks,, now XXXX XXXX and ocwen are attempting a loan modification.. on XXXX/XXXX/XXXX they want 3 payments of circa XXXX dollars and will not tell me what happens next.. but ocwen is known for doing this bait and switch .. i am only talking to over seas debt collector types that do not care about XXXX citizens .. yes this is yet another complaint about ocwen and all there underhanded tactics
My husband and I, our mortgage is owned by XXXX XXXX. The Specialized Loan Servicing company collects the mortgage payments. We have tried multiple ways to get them to post our mortgage payments correctly, but invariably, when I go into the account, they have failed to do so. Further, the agent I spoke to on XXXX/XXXX/2016 told me that my account had an annotation stating to post the mortgage first and any extra money to the principle second. But they failed again. Now they are asking us to pay the mortgage payment and the late fee for money that is already posted in the account. Why do consumers have to put up with this kind of incompetence - I am going to try and resolve this, but these people are crooks. And based on what I see in their account posting practices, and I might also mention many people on the internet who are having the same issue, have created a very convenient revenue stream for themselves at the expense of the consumer. Please look into these people!!!!!!!!
I deposited XXXX in certified funds to my personal checking account @ Bank Of America on Friday XXXX XXXX @ noon. BOA is still holding XXXX of the money back, I called and the repoXXXX XXXX told me it was because I did not endorse the back of the check. Since 2012 I have been depositing hundreds of thousands of dollars in check for to BOA thru the ATM and not one of them have ever been endorsed. BOA allows you to scan the front of a check on your phone and deposit it. So the fact they are telling me they are holding the XXXX back because I did not endorse the check can not be true. Because they are holding these funds back I am now today negative XXXX in my account and XXXX checks are going to be returned NSF. Transaction layer mazuma credit union BILL PAYMENT activity type debit status type icon pending Processing. Select to mark activity type debit XXXX XXXX XXXX XXXX XXXX PAYMENT as Reconciled XXXX XXXX Processing Transaction layer XXXX XXXX PAYMENT activity type debit status type icon pending Processing. Select to mark activity type debit XXXX XXXX XXXX PAYMENT as Reconciled XXXX XXXX Processing Transaction layer ACH HOLD IRS USATAXPYMT ON XXXX activity type debit status type icon pending Processing. Select to mark activity type debit XXXX ACH HOLD IRS USATAXPYMT ON XXXX as Reconciled XXXX XXXX Processing Transaction layer XXXX XXXX XXXX XXXX XXXX PAYMENT activity type debit status type icon pending Processing. Select to mark activity type debit XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT as Reconciled XXXX XXXX How can a bank hold certified funds for 9 days and send me into a negative balance and my checks to be returned?
The Law Office XXXX XXXX XXXX XXXX " XXXX '' XXXX has been retained by XXXX XXXX XXXX XXXX " XXXX '' ) to assist him in a short sale of his property located at XXXX XXXX XXXX. XXXX XXXX granted a 2nd mortgage loan to XXXX on XXXX/XXXX/XXXX which loan was then taken over by FDIC and assigned to XXXX Bank in XXXX. XXXX Bank in turn assigned the loan for servicing to XXXX XXXX in XXXX. XXXX XXXX went out of business and Credit Control LLC took over their accounts. As per XXXX XXXX, a manager at Credit Control LLC, their records show that they have released the mortgage in XXXX but the records do not state who took over the servicing of the loan. Credit Control sent the right to service the loan to an unknown entity. XXXX XXXX has not received any correspondence since XXXX in regard to the servicing of the loan. Credit Control LLC never informed XXXX XXXX that it had taken over for XXXX nor did it inform XXXX XXXX who Credit Control sold/transferred the servicing rights to.
There is a credit card reported on my credit under the name of XXXX. I submitted a dispute to the credit bureau about this card and XXXX 's verified the account. I sent a letter to XXXX XXXX on XX/XX/18 requesting document on this debt. They sent me a fraud form to fill out and send it back to them. I sent it on XX/XX/2018. It's been more than 30 days and I have not heard back from them. However the account is still on my credit report.
I called to check on what happened with my Checking account at Chase bank because the account did not look right and the representative told me the account was being restricted because of the hold on my check deposit and the check was returned and now I was told the account was closed without my my knowledge.
Sometime around late XXXX or early XXXX my wife got a notice from XXXX XXXX bank indicating that we owe on a credit card. we responding that we never had a XXXX XXXX credit card, but was taken to court. the case was dismissed in court but XXXX XXXX has been still trying to collect, using XXXX collection agency after another. every time we send the collection agency the court dismissal notice another collection agency would contact us. we did not hear from anyone in years so we thought this matter was resolved, however we just got a notice from Portfolio Recovery Associates trying to collect the same XXXX XXXX account. XXXX XXXX Bank has still been sending us Credit Card approval notices, so if these approval notice get into the wrong hands the same thing can happen again.
My credit report reflects a collection account owned by XXXX XXXX XXXX, whom is not licensed in the state of Florida to collect. Therefore I am disputing the validity of this collection.
ATTENTION EXPERIAN DISPUTE DEPARTMENT I CAN NOT believe that Experian is STILL reporting the account XXXX XXXX XXXX : XXXX, although I have pointed out SEVERAL inaccuracies with this account. How can Experian verify inaccurate information as accurate? By law it is Experians job to ONLY allow accurate and correct information to be entered onto my credit report. 
I am challenging this account for the following reasons : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items Each credit bureau lists a different open date. Experian XX/XX/13, XXXX XX/XX/13, XXXX XX/XX/13. How is that accurate? 

I have no knowledge of this account and have never done business with XXXX XXXX XXXX so why does Experian list an open date of XX/XX/2013? How is this accurate? 

There should be no past due on a collection account yet Experian lists a past due amount of {$1600.00}. How is this accurate? 

There should be no negative payment history on a closed account recorded yet Experian lists this account negative monthly. How is this accurate? 

The terms are inaccurate.
For months now I have been asking to please undue the fraud alert off my credit for good. I ca n't buy a car or anything else because Equifax has had a lock or alert on my credit. I call and they say there is n't one or some other run around BUT when they mail me my credit report it PLAINLY says extended fraud alert on it.. why is this so hard to remove and be done away with???
My Credit Report from XXXX gave the below alert. 

Citicards CBNA have mentioned " A lender reported that you did not pay them on time, and the account is now 30,60 or 90 days late ''. 
Account Number : XXXX Ammounte Delinquent : {$210.00} Payment Status : Late 120 days Consumder Statement Canceled by credit grantor. 

I never had this Citi account. 

Could you please help me in removing this Bad Credit on my Credit report! 

I have XXXX Sears Citi Credit Card : ( Never used these cards for a long time ) XXXX XXXX
On my credit report the creditors that are reporting late payments have been submitted under the freedom debt relief program. The companies are continuing to report negatively when they know they have been contacted by this company for a debt settlement. If you would look at my credit report before the program which I started in XX/XX/XXXX, my credit for paying bills on time was 99 %. The creditors have also been contacted not to call me and but they continue to do so anyway. So my problem is very difficult for me when I have always paid on time but to see my credit score drop drastically as like it has is devestating. It 's an unfair practice for creditors to continue negative reporting when they know the circumstances of the consumer. It 's like they are trying their best to sabotage a consumer 's credit history. It should be something done so that they would not to continue to report negative reports when they know the consumer has contacted them concerning debt relief.
Applied for loan with Circleback Lending - after they solicited me for my good credit record. Submitted all documentation that was asked for. They asked for a promissory note from XXXX XXXX loan that I received in XX/XX/XXXX. I talked to them on the phone and received multiple form letters asking for the promissory note. Each time I explained there were XXXX separate promissory notes for this loan since the funding is provided by individuals. I provided copies of some of these promissory notes and was told it had to be XXXX promissory note. It does not exist. I was not able to get someone to look at this and treat it the way it should be treated. They denied the loan saying I could n't provide documentation. But I did provide the documentation that exists for the XXXX XXXX loan.
The payment on the account for the month of XXXX 2016 was received by the creditor 17 days late and they are reporting it as a 30 day late on my credit reports and they refuse to correct it.
I have filed several complaints with XXXX, XXXX & Experian in regards to information from a creditor in regards to some medical bills that I am not aware of from XXXX XXXX XXXX in XXXX, MI. I have filed several complaints with the creditor and credit bureaus with no success in having them removed. I have been doing the run around game with the credit bureaus since XXXX of 2016. and they refuse to fix the problem.
contacted  XXXX , Transunion and   XXXX   from   XX/XX/XXXX - X/XX/2017  conc erning inquires that were removed from credit report that still appears on there. they advised that they were removed. keep calling back now they tell me that I need to contact the companies that requested my report. I contact those companies and they refer me back to the Agencies. this is an on going issue that I want to have removed. I have also had addresses on the account that did not belong to me. My father was put as my husband.   XXXX   list other people names and ssn on my credit report. The last updated report received from   XXXX   had full ssn of other people that is a violation. They mixed up files. only  1  address and employer should be listed on my file. Every time you call now everyone is a supervisor at  XXXX  and Transunion and cant help you. The purpose of putting a fraud alert and security freeze is to be protected from theft. These companies are allowing others records to be mixed with different people and if you call to validate and have the information removed its always an excuse. When I call to check on status of disputes I will get a letter in the mail stating that it has been extended due to recent inquires. This is not acceptable.
In XXXX of XXXX my son found a house he wanted to purchase so we began the process of getting qualified since I was to be a co-signer I also had to qualify..the process took until XXXX of XXXX and we closed the loan on the XXXX of XXXX at the title company where we gave the money down and signed docs..On the XXXX of XXXX Nations Direct Mortgage came back and said oh the pest control report which included a schedule XXXX needed to be fixed prior to loan being funded..Why after they had the pest control report in their possession for 2 months did they come back 9 days after loan close to state this needed to be done..in addition they informed XXXX XXXX mortgage that if the pest control company could take the schedule XXXX off the report or change it to a XXXX then they could fund the loan..I have this email..The items that needed to be completed would cost the seller XXXX dollars plus which she of course refused to pay and she also had signed docs. So our money sits at the title company and we have to go through the process again which affects our credit since our credit will have to be checked again by a new lender plus the time and trouble we will have to go through getting the required information that a new lender might want. In addition we were never notified by the lender Nations Direct and or XXXX XXXX mortgage that we would be responsible for paying rate lock fees but we were indeed billed for approximately XXXX locks which amounted to over XXXX dollars..this is ridiculous..another issue was that XXXX mortgage shared income tax information with XXXX real estate agents of which I have the emails. I have already made this complaint to FHA and I was directed here..This was a horrible expierence for both my son and myself but especially for him as he is 1st time home owner..I hope the preverbial buck stops here..and that something can be done about this travesty
I have been paying back a {$70000.00} loan from Beneficial for over 20 years, and have repaid it more than twice over. 
Now that the loan is almost paid off they keep adding new charges to my loan without my permission every month. Last month it was an insurance policy, over {$500.00}, this month they paid my taxes, which I had already paid, over {$600.00} in new charges, plus they raised the payment with monthly insurance and tax charges. 
I have always paid my own taxes, it seems illegal to suddenly start paying the tax, then adding it to the loan without permission, adding interest, late charges, insurance and whatever else they can think of, especially when it is almost paid off, and could be paid off this year if they did n't add enormous charges every month, and they know I 'm old on a fixed income. 
XXXX, an accounting clerk with the Department of Assessment & Taxation with XXXX County, OR responding on behalf of the Assessor. 
" After further review of both accounts, it does appear that there are, in fact, two duplicate payments from both you and your lender. '' ( my XXXX is divided into XXXX sections, XXXX ) I had applied for the Senior citizen ' tax deferral program, but they turned me down after the first year because I did n't have insurance. 
The XXXX I had before, filed for bankruptcy ( The fellow who ran the business said there were too many claims due to GLOBAL WARMING ) - and according to the insurance lady that took over the office - because I live in a XXXX there is no insurance available. 
Several women have told me that their insurance was cancelled out in this area because they live too close to the " XXXX ''? 
I know you do n't control the insurance industry, but I wonder how it is that no insurance company will insure my property for me, but they will issue a policy for my property for Beneficial 's interest only? 
And if it is insured now can I get the senior citizen 's deferral? 
Is that why they paid the tax? 
Do they actually pay somebody to figure out how they can squeeze the last dime out of old people who are almost debt free? 
Or am I just a conspiracy theorist? 
They do n't have contact info on their bills, no phone, no website and they do n't respond to letters. 
Anyway, thanks for your help.
I have had my Conn 's installment loan for 3 years now. I opened this at the store in XXXX, TX. I had identity theft, which led to the payments being sent back from Conn 's on what otherwise would have payed off on the loan. Well Conn 's called me and offered what they called MATCH pay they said if i paid the two payments of {$230.00} they would waive the late fees, and match each payment after two consecutive months of payments. I paid the two payments two different months. Conn 's never matched my payments. I called them over 15 times, i asked their agents why i was lied to and told them to take a look at my notes on my account it clearly states match pay was approved. It 's been over 5 months and Conns still has n't matched my payments. I have called again and was told to call back in a couple weeks they are still reviewing it and will apply the payments soon. NEVER DID THEY APPLY These. My balance should be XXXX $ i would have then paid it off by now. I was promised this match pay by their management. When i called Conn 's credit. They keep telling me i owe XXXX $ because they have n't completed my match pay. When i ask why they keep saying they do n't know its a different department but they do see the notes on my account. So they are falsely reporting on my credit report as late.