WillisBack/dataset-financial-user-claim huggingface dataset:
I have supplied caliber home loans with a detailed payment history from my bank showing a consistent pattern of dated biweekly payments that has been received and cashed by their company yet the company continue to report my account 30 days and 60 days late to the credit reporting agencies. I have ask caliber on several occasions via letter over the last 3 months to please correct this or provide me with proof disputing my payment history from my bank. Their only response has been a predetermined letter stating according to our records this account is reporting correctly. There has never once been any written proof and or documentation provided by caliber to dispute my claim or substantiate theirs just that letter. I believe this to be a predatory lending tactic to prevent patrons from leaving a poorly represented company by lowering its consumers credit ratings. As previously stated there has been a biweekly payment sent to caliber home loans on my account since XX/XX/2014 to present. There is no way my account could have ever been 60 days past due let alone 30 days with biweekly payments being made every two weeks for nearly 2 years consecutively. ( I have documented proof ). Caliber accounting department has held payments and applied two payments at the same time and reported my account as being late. I have documentation of the cancelled checks with the date they were cashed by caliber home loans. This information was supplied to both caliber home loans and all the credit reporting agencies and caliber is still reporting false information and refusing to change it.
On XXXX/XXXX/XXXX at XXXX, I spoke with XXXX at Ocwen Servicing. We post dated a payment for XXXX/XXXX/XXXX in the amount of {$530.00} plus a {$19.00} fee. The confirmation # is XXXX. When I checked my bank balance this morning, XXXX/XXXX/XXXX ; both items have been subtracted from my checking account. At the cost of {$36.00} per item for overdraft fee, this is going to once again cost me several hundred dollars for the additional items I used my debit card over the weekend. The first time this happened in XXXX, XXXX, I swore I would not do it again. That is the reason my mortgage loan got in the shape it was in ( past due ). We set a repayment plan to help me get current. THIS IS MY HOME!! I want to keep it. Ocwen makes it hard for me to do that. I am going to the XXXX website at XXXX and request they somehow transfer my loan to another Servicing Company. I am tired of being afraid of losing my home.
I want an appeal of CFPB 's inaction regarding Case number : XXXX. Bank of America stopped accepting my regularly scheduled mortgage payments which were set up by my Bank of America Branch Manager to draft bi-monthly from my Bank of America account. My account was filled with plenty of funds to make all due payments. BOA failed to notify me of this arbitrary cessation in any way whatsoever. BOA also failed to telephone me when my payments were not received. They then placed my account in Foreclosure and still failed to notify me in any way. Through my own research I learned BOA 's XXXX-based foreclosure attorney tried incorrectly, to deliver a foreclosure notice to my tenants. ( This property is a duplex and it has been a rental since the inception of the BOA loan ). Still, BOA made no effort to contact me. I learned about the forexlosure through my own efforts noticing my payments were in arrears on a basic monthly statement, going into the bank, being told I had ti call the XXXX Department. i was then on hold for 90 minutes inside the bank, told a " pay-off '' would be faxed within two hours to the bank branch and only then could i pay anything on my loan. The fax never arrived. I was then told after 30 or 45 minutes on the phone that payoffs are " never faxed '' and would be mailed. When it arrived I had to pay over {$2500.00} to reinstate my loan. I have since tried for almost a year to contact BOA and to obtain what I asked CFPB for - a refund of the {$2500.00} plus letters written to the credit reporting agencies to clear my credit. BOA has hung up on me multiple times and I had had no relief. CFPB considered this case " resolved '' on BOA 's word without obtaining any documentation from BOA. BOA has been sued by numerous state attorney generals for taking advantage of consumers. I ask you to do better in my case, please.
I have continuously disputed the following 2 items on both my XXXX and Transunion reports. I have no knowledge of these accounts. I have contacted the debt collector and requested information and they refused to send it to me without verifying my social security number. I have never received a bill from this company and I have no outstanding medical debts I have had continuous medical coverage for the past 15 years that would cover any medical bills. The credit bureaus refuse to remove these items claiming they are valid, but I have not received any valid information. Item 1 : XXXX Collection/Chargeoff Other {$530.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$530.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Remarks Placed for collection. Item 2 : XXXX Collection/Chargeoff Other {$100.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$100.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Remarks Placed for collection.
Equifax allowed serval Fraudulent, accounts to be reported to.my credit reported .The information is over eight years old. The party 's doing the reporting. never a place of businesses serval times. They not Professionals, such.as.Lawerys, Judges, Names of each Credit Reporting Agent .XXXX XXXX, XXXX XXXX,
Made payment of {$500.00} to Citibank and its immediately withdrawn. Payment still has not been added to available credit as of XX/XX/XXXX. Citibank tells me they use money laundering laws as an excuse to hold payments for 7 business days. I am told they can do this whenever they feel like .... So a credit card company can take payment and not give it to the customer for close to 2 calendar weeks because they pre-paid early?? 

That's right .. I'm not purchasing I'm paying my card back in advance. So this is the " thanks '' Citibank gives for doing that. They take your money. label you a money launderer and then invest it anywhere they like while you got NO MONEY. 

Citibank it the only bank I know of that does this. WHY? 

Last rep I spoke literally laughed in my face.
I have made several attempts to resolve an egregious error that has negatively impacted m y credit score. I have  been trying to rectify this issue with this company reporting that I 've been late. This could not no be further from the truth. I have always paid on time and not only on time but have paid well over the amount due. I have spoken  to 2 m anagers and the store owners. There names are :  XXXX ,  XXXX ,  XXXX  who has first hand knowledge of the issue. I have also spoken to the owner of the store who has reassured me that he would handle it. To date nothing has been done.  XXXX  is not longer there because he apparently made so many billing errors during his tenure there that they let him go and they all have attested to that. They all know that credit reporting is false but no one is making the necessary moves to correct the error that has been created
Suntrust is repeatedly dropping incoming XXXX transfers in a concerted effort to charge overdraft fees. This morning I woke up to an account that was some {$300.00} in the red because Suntrust deleted the incoming transfer. I am attaching images of the payment sent via XXXX and the evidence that Suntrust has not credited it to my account- in other words they have stolen my money, again.
I had a charge off with XXXX XXXX XXXX, that was the Date of First Delinquency. According to the FCRA the account will be deleted after seven years from DOFD. I have credit reports ( attached ) showing the DOFD as XXXX XXXX. My reports always showed the account schedule to fall off XXXX XXXX, which would be correct reporting. As of this XXXX the account remained so I disputed it with XXXX, XXXX and XXXX. XXXX and XXXX deleted the account per proper reporting information. XXXX responded to XXXX that the new date for this account to be removed is XXXX XXXX, which is very incorrect.
Hi, I sent out a letter to XXXX/XXXX which was delivered on XX/XX/2018 requesting some information that was reporting in error. The response that I received back from this company was very disheartening and I feel like I am being taken advantage of by this company and the credit bureau 's. I am going on about 12 months of trying to fix this issue, and everyone is simply ignoring me and disregarding my request. The letter that I sent to XXXXXXXX in XX/XX/XXXX clearly stated exactly what I needed to prove to them that the information may be reported in error. However, they simply replied back stating that I didn't request anything in specific. To prove my claims, I've attached the letter I sent, with my request inside of that letter, and also their response from my letter, which came over a month and a half later. This company has a reputation of illegal loan shark transactions and the accounts they set up are with ridiculous late fees, and the billing cycles are set up to increase the likelihood of missing a payment. I am at my wits end with this situation and I need this resolved immediately!
DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX XXXX Collection Information Bureau , Inc . 
68 years in business XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DOCTORS BUSINESS BUREAUor any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DOCTORS BUSINESS BUREAU or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I am in XXXX health and just had a XXXX. I am on XXXX and that is my only income. There was no possible way to pay for the home so we have been working with the mortgage company, Citi Mortgage, for over XXXX months. We were told if the home was on the market for XXXX months we could do give them the dead and walk away because of what they called hardship. I have sent in paperwork over XXXX to XXXX times and each time they let it expire before they look at it and demand it all over again. Each time the correct paper work is sent in, checked and verified, then left to expire again. We have to set up appointments each and every time just to speak to the woman who is to help us and every time she has no idea what we are talking about and we have to explain the same thing over and over. Now the home is going into foreclosure and they still act like they know nothing about the paperwork we send in over and over. I am afraid my home will go into foreclosure with out them even trying to work with us. I have XXXX to live on and with the XXXX taking every penny I have just to live, I can not afford to hire an attorney. Is there anything that can be done just to get them to hear my side and get this taken care of. I have done everything they ask of me, but they just put it off and act like they want only to foreclose.
XX/XX/2018 I submitted a letter to XXXX XXXX XXXX XXXX, XXXX in regards of three items on my credit file I'd would like remove which I'm unaware of. which Equifax stated they cant remove the items and don't provide any information on how the accounts were verified.
Reference Consumer.Finance.Gov Case # XXXX which identified an administrative error by XXXX and erroneous debt collections against me by Southwest Credit Systems. As part of your investigation, which discovered this was an error, Southwest Credit Systems was to remove any negative reports or comments on my credit report/file. As of X/XX/17 Southwest Credit Systems has not removed negative comments concerning Case # XXXX. Please have Southwest Credit Systems, XXXX XXXX XXXX, XXXX, TX XXXX immediately remove all negative reports/comments from my credit report/file permanently.
I HAVE TRIED CALLING THE CREDITORS BUT HAD NO LUCK WITH GETTING MY ISSUES FIXED. SOMEONE TRIED GETTING SOME CREDIT CARDS IN MY NAME WITHOUT MY PERMISSION CAUSING HARD INQUIRIES TO OCCUR ON MY CREDIT REPORT. STATE FARM BANK-UNAUTHORIZED- HARD INQUIRY- XX/XX/XXXX XXXX CARD-UNAUTHORIZED- HARD INQUIRY- XX/XX/XXXX XXXX XXXX XXXX- UNAUTHORIZED- HARD INQUIRY- XX/XX/XXXX
To : Nation Star Mortgage Company Attn : Customer Relations XXXX XXXX XXXX XXXX, TX XXXX DA : XXXX XXXX, XXXX RE XXXX  Request a Copy of My Full Mortgage Payment Account History/File from ( XXXX XXXX to XXXX, XXXX ) This letter comes to request a copy of my entire mortgage account payment history/file from the inception of my mortgage loan which was XXXX XXXX to XXXX, XXXX ( the present. ) As my present mortgage holder, I was informed that my present mortgage holder should have my entire mortgage history. You obtained or my loan was transferred to you from XXXX XXXXXXXX XXXX. All documents were transferred when you became the new mortgage holder of my loan. I must reiterate, that you ( NationStar ) sent a document entitled Full Account Payment History which included only my mortgage payment history from XXXX to XXXX. I must state that 2 or 3 years is not my entire mortgage history or file. Once again, Im kindly requesting my entire mortgage history/file, which should included signed documents and an explanation of how one obtained my present balance. Nevertheless, if you cant provide the  requested information or documentation, it leads me to believe that my present balance could have been fictitiously created? I must inform you that I have never heard of anyone taking 60 years to paying a 30 year mortgage. This is simply ludicrous and unacceptable in my opinion. I must inform you that my mortgage loan did not start in the year of XXXX. However, it did start in XXXX XXXX, which includes a total of 27 years + 3 additional years of mortgage payment history. According to the last documents I received, one would believe that my mortgage loan was ignited in XXXX, which is definitely not true! My Resolution, Concerns and Request Are As Follow : *Please provide a copy and proof for the follow request below* My present mortgage balance is more than I paid for my house back in XXXX, after paying 27 years of payments. You have not sent me a copy of my entire mortgage history file, as I have requested on 2 different occasions. ( see attachments dated : XXXX XXXX, XXXX, XXXX XXXX, XXXX My mortgage loan was for 30 years and not 60years. According to my present balance, ( {$65000.00} as of XXXX ) it would take 30 more years to pay-off my loan, according to the present balance! I paid an additional 3 years in advance and above my premium monthly payment to pay my mortgage off I advance/prior to 30 years. My files may possibly have been mixed in or construed with someone else mortgage files or payment history etc. Please provide a written explanation of how my present mortgage balance is higher than what I purchase my house for in XXXX. I financed {$61000.00} in XXXX, Approximately 27 years later, I presently owe {$63000.00} +. Please explain and provide a written document within 15 days.. How much interest was paid toward my mortgage loan from ( XXXX XXXX, XXXX ). According to my records Ive paid a total of {$32000.00} in mortgage payments thus far.
I am writing to dispute charges on XXXX XXXX XXXX XXXX XXXX XXXX bills originating on XX/XX/XXXX-XX/XX/XXXX for the amount of {$68.00}, in addition to a XXXX bill on XX/XX/2014-XX/XX/2014 for {$120.00}. The total amount allegedly owed is {$190.00}. 
I am disputing the charges because I have maintained this wireless account with XXXX XXXX XXXX for over 15 years and have always paid my bill promptly. Unfortunately, my cell phone service had continuously deteriorated month after month for the past 2 years, which has resulted in strained personal relationships and loss of revenue for my business. I have given XXXX ample time to resolve the matter and have even received numerous discounts on my bills in conjunction with the poor service issues that have continuously gone unresolved. They include verified incidences where there was no receipt of missed calls/texts ; frequently dropped calls ; and a nagging XXXX bar of service that followed me wherever I went. Unfortunately, due to XXXX XXXX XXXX 's inability to fix the matter I was eventually forced to port my number to another carrier on XX/XX/2014. 

In conjunction with cancelling my service with XXXX XXXX XXXX I am being forced to pay full price for a final month of deteriorated cell phone service ( {$68.00} ) I received no benefit for, followed by account termination fees which were a result of the company 's own poor service ( {$110.00} ). My 2 year contract was expired, and I was using an outdated iPhone 4. I had refused on numerous occasions to sign a new contract for an upgraded phone as the problem lay with XXXX XXXX XXXX 's network, not my device. After XXXX XXXX XXXX refused to negotiate the matter with me to my satisfaction the debt went to XXXX XXXX XXXX and now onto Receivables Performance Management. XXXX XXXX XXXX has no legitimate basis for these charges and I should not be forced to pay full price + termination charges for a service of inferior quality. 

The account was opened when I was a minor with the help of my mother, although I have always been responsible for the bill. I am the primary on the account and have repeatedly reminded XXXX XXXX XXXX of this arrangement. My mother and I receive harassing calls from collectors and XXXX XXXX XXXX regarding the matter. They frequently call throughout the day, can not provide information on the debt supposedly owed when prompted, and often call and hang up. It is unfair that these collections letter be only addressed to my mother and that her credit score be tarnished.
Calls are being made to all different numbers that they are not authorized to do. I 'm being harassed at my job, family, and individuals information they are getting from a third party. This is not right. I specifically updated my account what number they can call. They continue to harass me daily on different numbers. I know this is against the law. I have recordings on my work voicemail showing they called.
i recently i filled a complain this company that has been harrasing me for years know they responded that debt is valid and also said " XXXX XXXX XXXX has made many nuisance complaints over the years : which only shows what kind of company this is the fcra states that C. Consumer reporting agencies may not report outdated negative information. 
In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old which this company is in clear violation of please see attachment please help me stop this company violation of my rights since my last complain # XXXX not only have they not removed there illegal reporting but also reported me again to XXXX
I was involved in an accident at the end of XXXX 2016. The other driver was found to be at fault. The driver was in a work truck pulling a trailer and rear ended me going around 40-45 mph. I was seen at a local ER within the next 2 weeks and then was seen by XXXX and now an XXXX XXXX. The bills I received originally I sent to my insurance agency to pay, and I was under the impression that these were covered completely. They were not, however, two in particular were applied towards my deductible and an outstanding balance remained. I moved addresses from XXXX area to XXXX area and had my mail forwarded to the new address but did not receive any further contact stating that any balances remained. I did not receive mail, phone calls, or emails despite my phone number and emailing being up to date and current with both agencies. I did not know about the balances until I received bills from collections agencies. AR resources Inc and XXXX XXXX XXXX XXXX. I have attached those bills. I also had a credit report done and these collections have made my credit score drop over XXXX points. If I were to have been contacted by the original billing agencies properly I would have gladly paid the bills to avoid collections and just received the settlement from the insurance at a later date. The debt collectors ASSURED me that if I pay it will immediately come off my credit, but I am concerned that it will only show as paid debt and still be on my credit bringing it down for 7 years. The original billers were XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I contacted both of these companies and they stated that they mailed me bills, however I did not receive them and they did not make any attempt to call me or email me or I would have gladly paid the bills. Instead, this is now effecting my previously PERFECT credit and literally destroying my finances and making it difficult to get a home loan.
XXXX  XXXX XXXX Missouri is being reported on to the file that your company maintains up under my personal information. I have never had an account with XXXX XXXX XXXX. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered your bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.