WillisBack/dataset-financial-user-claim huggingface dataset:
I had my mortgage with XXXX XXXX initially and they sold my mortgage. Fay Servicing has been the company that services my loan since it was sold. I have always paid my mortgage on time never missed a payment and kept my insurance current and adequate. I have always had flood insurance as well as homeowner 's insurance. 
The problem started this XXXX, XXXX with a letter from Fay Servicing asking for evidence of Flood insurance which I sent them. My insurance company had sent them a copy when I renewed the policy in XXXX XXXX, but I sent it again like they asked. In XXXX, XXXX they asked for evidence of increased coverage which I sent them. I had {$150000.00} coverage that I had increased to {$160000.00} back in XXXX, XXXX when I renewed the policy which more than covered my mortgage which was {$120000.00} at that time. In XXXX, XXXX I got another letter stating that they took out a {$50000.00} mortgage policy at a cost of {$450.00} which they put in an escrow account. I then called and was told that if I increased my coverage to within {$5000.00} of my homeowner 's policy they would remove the charge. I called my insurance company and for {$3.00} I increase the flood insurance to what it needed to be. Countless calls to Fay Servicing and spoke to about 20 different people who said the charge, which had been reduced to {$130.00} would be removed. It was not. The last supervisor I spoke to, said the charge should and would be removed. I would call every few days because no one ever called me back. The last time I called her she told me that the charge would not be removed because they did everything right. She gave me the name and number of her supervisor and I have called and left about 5-6 messages for him to call me starting last Thursday, and he has not called back. The company also has assigned me about 4 different people to manage my account so there is no consistency in management. 
Just to review, I always pay my mortgage on time, insurance both homeowner 's and flood is paid on time and always kept current no lapse in coverage. I have had flood insurance since I have lived here and it has always been less than the amount of my homeowner 's insurance, but more than my mortgage and what my house is worth, and was never told it had to be the same as the homeowner 's until after they took out the extra insurance, in XXXX XXXX. They had not communicated to me what the insurance needed to be and I had no way of knowing, since I have been consistent in my coverage ever since Fay Servicing took over my loan.
Convergent Outsourcing of XXXX XXXX XXXX XXXX XXXX, WA XXXX has added a debt to my credit file that was unaware of. I was never given the right to dispute this debt before it was added to my credit file and the debt does not belong to me. I have never had or applied for this account in or around XX/XX/2017. Convergent is listed as collecting a debt for the creditor XXXX.
XX/XX/XXXX-XX/XX/XXXX, my Macy 's American Express Card was fraudulently charged XXXX times for almost {$8000.00}, way above my credit limit of {$2700.00}. My card with a chip was in my possession. Inside job, I told them. I called them to complain XXXX XXXX. They told me that they will remove the charges and that I will not be liable ( but, of course! ). XXXX XXXX, XXXX, they sent me a new statement : they closed that particular card, transferred XXXX fraudulent charges to a new card, charged me a late fee and interest charges for XXXX fraudulent charge that they did not transfer. I called again and complained. They said to ignore again, and that it will take 3 months for them to look into the matter. XX/XX/XXXX, they sent me a statement again, Interest charge and late fee accumulating, and I called to complain again and the said to ignore again. They did the same in XX/XX/XXXX, and when I complained again, they said to ignore the statement and that next month, a zero balance will show. I asked them to write me a letter to say this, they said they do not do that but the next statement will show a XXXX. Today I get a statement again, with accumulated interest charges and late fees. I called them again before I write this complain to you, and they said to ignore again. And why all these? they said they are sending me a statement without my being responsible for it. Them why sent me a statement at all!!! I asked. 

Please help me Sir, Madam at CFPB. My XXXX every time I get these statements, which they tell me to ignore. Is this fair? I told them that this has also happened once with XXXX other credit card that I have. But the other credit card, XXXX XXXX XXXX, wrote me after it was over, 1 month. Only XXXX charge. How could Macy 's Amex allow all these XXXX charges in 2 days to even go over my limit? Inside job, I told them. To top it all, I also emailed their XXXX of XXXX XXXX in XXXX, Ohio, no reply. Thank you for your time and attention. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
ONXX/XX/XXXX, DIVERSIFIED CONSULTANT INC RESPONDED TO YOUR DEPT ( CFPB. ) ON CASE # XXXX THAT THEY SENT A DELETION ORDER TO THE CREDIT REPORTING AGENCYS, THERE LETTER WAS DATED XX/XX/XXXX TO YOUR DEPT. 
AS OF XX/XX/XXXX XXXX IS STILL REPORTING THIS COLLECTION WHICH IS DAMAGING MY CREDIT. I ASK THE CONSUMER FINANCIAL PROTECTION BUREAU TO HAVE XXXX XXXX XXXX,  TO IMMEIDIATLY REMOVE THIS COLLECTION AS THERE LETTER OF XX/XX/XXXX TO YOUR DEPARTMENT STATED. 
I REQUEST THAT DIVERSIFIED CONSULTANT INC,  PROVIDE A COPY OF THE DELETION LETTER THEY STATE WAS SENT TO THE CREDIT REPORTING AGENCYS TO ME FOR RECORD FILLING. 

THE REFFERENCE ACCOUNT THAT NEEDS TO BE DELETED IS XXXX XXXX XXXX. BALANCE {$3700.00}. 

THANK YOU
I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a student and do not have the money to be represented by an attorney or any other agency. I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter?
I notice a fraud statement was posted on my credit reports on XX/XX/XXXX.  It seems XXXX  unlawfully created this statement and it was shared with the XXXX and Experian. I immediately called all three bureaus to get it removed, since I did not issue such a statement. XXXX  and XXXX   immediately took the statements down. The Experian rep said they needed something in writing to take down the statement. I faxed them a written statement and my identification that was on XX/XX/XXXX It is nowXX/XX/XXXXand the statement is still on my report. I never issued such a statement nor do I authorize it to be on my report.
XXXX  has recently changed an account ( XXXX XXXX XXXX ). It was corrected in the past as account never paid late. This was finally fixed after I disputed it several times. Now XXXX  has changed it back as having a 30 day late payment. This is wrong. Ive contacted XXXX about this issue and was told by a rep that it will be corrected as this account was never paid late. XXXX keeps changing the payment status on this account. My credit score dropped 52 points due to this wrong information
Citibank has denied a Loan Modification on my primary and upon reviewing the limited NPV results they provided, I discovered incorrect income. No mentioned of appeal process, so I come to you for your assistance.
My Bank of America savings account went negative by almost {$1400.00}. The bank said it was negative for XXXX days as of XXXX/XXXX/2015. I was trying to pay it off through a payment plan, but the Bank refused and while it took the reason why the account went into a negative balance as a fraudulent transaction ( which happened at XXXX time ), there was no action made to the person who wrote the bad check, nor was there any feedback that they would have allowed me to pay back incrementally the negative balance. 

On XXXX XXXX, 2015 Bank of America performed an unauthorized transaction by taking all of the funds out of my checking account which were actually a student loan for my wife 's school and left us with a negative balance. When I confronted the bank, they said that they were allowed to do that based on the contract of my accounts. I found that hard to believe, which is why I am making this complaint that Bank of America has been performing predatory business practices and continues to do so that are not only unethical but I wonder if they actually violate the law.
We suffered a XXXX at a rental property, unfortunately the mortgage holder is OCWEN. We had difficulties with this company for payments miss-applied before. This time, they are holding the funds that are needed to pay for the repairs and adding more requirements to release the funds. I am forced to borrow money to pay the contractor doing the work. One such requirement was an inspection at the end of the repairs, now they are changing that to an inspection at XXXX %. We already completed XXXX % and they are still requesting documents before they schedule an inspection that was not agreed on nor communicated clearly.
I checked my credit report and noticed a debt with a collection agency XXXX XXXX XXXX. I disputed the debt in XX/XX/2018. I stated I have no knowledge of this account and that I have been a victim of identity theft. On XXXX XXXX the police dropped off a summons showing XXXX XXXX XXXX purchased this debt from XXXX XXXX XXXX who purchased from XXXX XXXX who purchased from XXXX XXXX XXXX who purchased from XXXX XXXX XXXX.
We were deliberately misled by US Bank about the amount of time required to fund this loan. The loan originator -- despite his failure to " recall '' this -- told us that the loan process would be completed within 30 days. We scheduled a real estate closing and renovation start based on his misrepresentation. The loan process was initiated on XXXX XXXX, 2016. It is XXXX XXXX, 2016 and there still is no word from US Bank on whether the loan has been finally approved.
Debt was paid and on the credit report its stated that its a joint account responsibility and that 's inaccurate information.
My bank is authorizing an electronic transfer to an insurance company every 3 months. The insurance was free for 1 year for opening a checking account. The insurance is not needed and not wanted. I called the bank in XXXX 2015 and told them to remove the automatic deduction and was assured it would be taken care of. The same transfer just occurred again, XXXX/XXXX/15. The Bank is unresponsive referring me to the insurance company. I tried to phone the insurance co. in XXXX. I was put in a wait system and then was disconnected. This problem is on the internet - many are having the same problem. 
The transaction involves the XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX is the payee on my bank transaction information.
Hello, In XXXX 2017, I received an email from a group called XXXX XXXX saying they were a third party servicer that worked with MOHELA to pay off my loan. About a month later, I received a call from MOHELA again asking why I had n't made a payment, I told them I had been and was confused why they had n't received my {$100.00} a month I had been paying and we discussed lowering my bill to {$50.00} a month, but it never applied and XXXX XXXX continued to take the {$100.00} a month out. A few days ago, I get an email from XXXX XXXX saying I 'm past due. So I immediately called MOHELA and told them what was happening and they informed me that this third party is scamming me and taking my money. I 've paid them {$700.00}, and they are withdrawing another {$100.00} on XXXX XXXX, yet I 'm past due on my actual student loan because they are just keeping my money. Is there any way to get my money back? Or can I apply it to my actual loan? Luckily, it has n't started hurting my credit but it 's very close. 
Thank you for your time, XXXX XXXX
In response to the collection placed against my credit profile. The information documented on behalf of this collection is incorrect and insufficient. I would like the opportunity to clear this debt from my credit report. I am making a request for Collection Company to  provide a deletion from my credit report. I value my credit and I continually make timely payments on all of my accounts. All bills from all medical manners were paid in full directly with ALL service providers and any remaining balances from 2012-present were included in the insurer 's Chapter XXXX bankruptcy under case number XXXX. Aargon Collection agency placed a {$39.00} collection on my account and this information was discovered when I recently saw it on my credit report. They did not send any type of bill, notice or information prior to placing this debt on my report. All medical bills are paid in full with the providers directly. Any balances are under the responsible party which is XXXX XXXX, the insurer and responsible party. I understand that collection companies are generally not excited about deleting a collection account. However, I have been informed that according to FCRA ( Federal Credit Reporting Act ) no creditor is required ever to report a debt, nor are they required to continue to report it for any set amount of time, reporting to the bureaus is purely elective on the creditors part. I would simply like for Collection Company to have this one account removed from my credit to ensure my credit profile does not show such a negative account.
I was in a bind and took out a loan with CastlePayday.com, which is actually Red Rock Tribal lending. When I applied someone called me immediately and rushed me through the process of the loan. After reading some things about this company online i realized ... ..Oh no, i better go print my papers. I log into my account online and it reads loan amount {$800.00}, Finance Charge {$280.00}, pay off balance {$1000.00}. I print the contract and it says finance charge of {$6000.00} and annual percentage rate of 787.4136 %, total pay off {$6800.00}. HOW IN THE WORLD. So I immediately contact the company and revoke my ACH and they tell me that they will now remotely-create a check and send it to my bank for payment because i dont have the full {$1000.00} to pay on payday. I dont know what to do. The contract states that this is a tribal loan and i have basically given up all my rights.
I have contacted the credit bureaus XXXX and Equifax about these hard inquiries and they seem to not wan na remove them from my credit report and i did not authorize any of these places to run or pull my credit. I have a letter XXXX sent me saying they did not pull my credit but it is showing up on my credit report. Please help me and have them removed off of my 3 credit reports if you can or willing to help me thank you. 


Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX
BBVA Compass - I have called them XXXX times in last XXXX mo 's to get my payments to them on time. They start then stop sending me paper statements. They do not post my payments as I instruct them too. Their customer service is horrible with long phone wait times, disconnects, and lying to me about submitting my requests. I am sending in additional money to pay this XXXX yr. note off faster. They refuse to refinance me at lower rates, due to a XXXX year old bankruptcy, They put my loan in there bankruptcy dept. Which it never should have been. I can not determine if the additional principal I send them is being applied. I can not get there representatives to explain it to me as well. Every month it is a different problem. Now they say there is a XXXX $ fee for submitting payment over the phone. 
When I complained - they said " oh your right - there is no charge ''. I have XXXX years to go on this loan, but do n't know what I owe or when it is being corrected as far as the Additional principal is concerned.
On XXXX/XXXX/2015 my account was deducted for a new subscription/donation charge of {$5.00} to XXXX XXXX XXXX MA. It caused the business checking account to be XXXX short. The bank charged a {$39.00} fee ( 3 ) days later. 

Since the order of the charged deducted are completely under the banks control they can manipulate the order of debits to cause a fee. But, the fee came from the {$5.00} debit and not the rest of the checks and charges. 
{$39.00} dollars is a lot of money for a XXXX cent overage.
American Express send notice in the XXXX billing that they are changing their payment options in XXXX XXXX. In XXXX, an interest rate will be charged on any amounts that are not paid in full by the payment due date, which according to my XXXX XXXX bill, is 7 days from the date of when I received it ( yesterday, XXXX XXXX and my due date is XXXX XXXX. ) I have called American Express and they told me they would comply with all federal laws, but the way this notice reads, they are not. Your rules clearly say that they must give us 21 days each month to pay the bill. Currently, we are given a " please pay by '' date ( one week ) and a closing date which is approximately 14 more days after the " please pay by '' date ( and the correct, approximate 21 days that the law requires ). But the American Express notice states that the interest will be applied to any amounts that are not paid until the closing date. Please look into this and make American Express comply with federal law. Thank you.
On XX/XX/2018 I purchased a XXXX XXXX side to side unit including half windshield, roof kit and winch for {$10000.00}. I used my credit card for a {$2000.00} down payment as seen on the invoice. However, the merchant XXXX XXXX, XXXX overcharged {$990.00} as they added the total cash price to {$12000.00} in error when it adds up to {$11000.00}. The agreement was to pay {$10000.00} for the unit with accessories listed above plus registration fees and sales taxes ( as listed on the invoice ) as follows : {$10000.00} + XXXX+XXXX+XXXX+XXXX ( sales tax ) equals {$11000.00}. I explained this to Chase representative XXXX at XXXX X XXXX and also supervisor XXXX XXXX. in Texas but they did not want to acknowledge what occurred but rather sided with the merchant who lied and claimed I purchased accessories separately when as the invoice shows the credit card was used as a downpayment and the accessories were included in the purchase price of {$10000.00}. The credit card receipt shows {$2000.00} with no mention of accessories proving that it was used as a downpayment.
XXXX XXXX sold me a vehicle that ended up not passing emissions. I also found out, after my purchase, from a 3rd party mechanic that the dealership should have never passed the car for safety, as there was obvious damage to the front suspension. The DMV made me give the car back because it was not able to be registered.
Currently on my XXXX mortgage servicer ( Shellpoint ) where my loan was transferred to in XXXX XXXX. Concerned that property taxes for XXXX half of XXXX due XXXX XXXX have not been paid. The tax bill was sent to Shellpoint by both myself and the XXXX XXXX XXXX. I have received no confirmation by Shellpoint that the property taxes have been paid. I need to know that they have been paid while I continue to try and have a loan modification or some type of loan mitigation approved that is acceptable and sustainable.
i am a victim of identity theft. My XXXX/XXXX credit card that was opened on XX/XX/XXXX was lost/stolen. The balance of {$2500.00} is all fraudulent transactions and do n't belong to me. The following hard inquiry do n't belong to me : XXXX/XXXX, XX/XX/XXXX
I returned a XXXX  XXXX XXXX XXXX XXXX XXXX to XXXX of XXXX XXXX, California. I called XXXX XXXX XXXX when I returned the car to inquire about paying off the rest of the lease. I was told the amount I owed and received a statement in the mail as well. I made the full payment online and was told that my account would be closed. This did not happen. XXXX XXXX  wrongfully deducted an additional month 's payment from my bank account on XX/XX/2018.  I called a couple of times to get my money refunded and have been given the run around. I still did not receive my refund. They are crooks!
I have been trying to resolve payments issues with my Loan Service Co, by I have not gotten a response. 
Here is my last communication with Rushmore : XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX XX/XX/XXXX at XXXX XXXX  Hello, I have been trying to get a response regarding the rejection of a payments send on XX/XX/XXXX in the amount of {$10000.00}. I never heard from you or other Rushmore Loan Management employees regarding my request. I have requested repeatedly from XXXX XXXX, but he has gone into silent mode now, perhaps with the intention that all be be forgotten on my side. 
Additionally, Rushmore Loan Services keeps adding late fees to my account, continues reporting me and my wife to the credit bureaus for nonpayment, and is still adding taxes and insurance to the bill at a time when I have sent proof of payment of Real Estate Taxes. 
Specifically, although I made another payment in the amount of {$10000.00} on XX/XX/XXXX that is not reflected in the mortgage statement thereby my bill for the month of XX/XX/XXXX amounts, incorrectly though, to {$12000.00} with late fees totaling {$180.00}. 
After I failed in my repeated attempts to reach XXXX XXXX, who did not respond to my calls, in my last conversation with you, you personally to remove late fees and resolve other issues related to my account. 
Please respond to me request and resolve the billing issues. I have attached two documents with this email showing payment in my side and a bill that does not reflect my payments Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX T. XXXX